| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE T MATTAR3 Filed as: STEVE MATTAR | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 483348334 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 4.93% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 483348334 | BLUE CARE NETWORK OF MICHIGAN | — | $745 | $745 | 0.11% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS LLC | 5750 NEW KING DR STE 310 TROY, MI 480982696 | AMERITAS LIFE INSURANCE COMPANY | $3K | — | $3K | 4.48% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROY, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $790 | $7K | 12.94% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROY, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $701 | $6K | 12.09% |
| STEVE T MATTAR3 Filed as: STEVE MATTAR | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 483348334 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 4.48% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 483348334 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $26 | $26 | 0.09% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROY, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $345 | $7K | 26.30% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROYF, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $260 | $4K | 21.51% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROY, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $226 | $4K | 26.64% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROY, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $89 | $1K | 21.42% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 183 | $680K |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 222 | $76K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 222 | $76K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $53K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $58K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16 | $6K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 183 | $652K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.