| 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 | $37K | — | $37K | 4.75% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 483348334 | BLUE CARE NETWORK OF MICHIGAN | — | $672 | $672 | 0.09% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS LLC | 5750 NEW KING DR STE 310 TROY, MI 480982696 | AMERITAS LIFE INSURANCE COMPANY | $2K | $694 | $3K | 4.78% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROY, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.28% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROY, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 12.50% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROY, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 25.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROYF, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROY, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DR STE 310 TROY, MI 480982696 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 181 | $784K |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 100 | $60K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 100 | $60K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $60K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $48K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16 | $6K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 181 | $784K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.