| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL ASSET INS. SERVICES, INC.3 | 15744 SOUTH PEACOCK ROAD HASLETT, MI 48840 | MCLAREN | $100K | $0 | $100K | 4.91% |
| CAPITAL ASSET INS. SERVICES, INC.3 | 15744 SOUTH PEACOCK ROAD HASLETT, MI 48840 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 2.97% |
| CAPITAL ASSET INS. SERVICES, INC.3 | 15744 SOUTH PEACOCK ROAD HASLETT, MI 48840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.21% |
| CAPITAL ASSET INS. SERVICES, INC.3 | 15744 SOUTH PEACOCK ROAD HASLETT, MI 48840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.00% |
| CAPITAL ASSET INS. SERVICES, INC.3 | 15744 SOUTH PEACOCK ROAD HASLETT, MI 48840 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.41% |
| CAPITAL ASSET INS. SERVICES, INC.3 | 15744 SOUTH PEACOCK ROAD HASLETT, MI 48840 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $0 | $235 | 4.21% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $0 | $135 | 2.42% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.38% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCLAREN | 460 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 704 | $203K |
| Vision | VISION SERVICE PLAN | 283 | $34K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $121K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $6K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $84K |
| Prescription drug | MCLAREN | 460 | $2.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.