| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL ASSET INS. SERVICES, INC.3 Filed as: CAPITAL ASSET INSURANCE SERVICES | 15744 SOUTH PEACOCK ROAD HASLETT, MI 48840 | MCLAREN | $59K | $0 | $59K | 2.90% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER-VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | MCLAREN | $41K | $0 | $41K | 2.03% |
| CAPITAL ASSET INS. SERVICES, INC.3 Filed as: CAPITAL ASSET INSURANCE SERVICES | 15744 SOUTH PEACOCK ROAD HASLETT, MI 48840 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 3.00% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER-VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.15% |
| CAPITAL ASSET INS. SERVICES, INC.3 Filed as: CAPITAL ASSET INSURANCE SERVICES | 15744 SOUTH PEACOCK ROAD HASLETT, MI 48840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.97% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER-VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $444 | $3K | 3.36% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER-VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $235 | $3K | 7.92% |
| CAPITAL ASSET INS. SERVICES, INC.3 Filed as: CAPITAL ASSET INSURANCE SERVICES | 15744 SOUTH PEACOCK ROAD HASLETT, MI 48840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.69% |
| CAPITAL ASSET INS. SERVICES, INC.3 Filed as: CAPITAL ASSET INSURANCE SERVICES | 15744 SOUTH PEACOCK HASLETT, MI 48840 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.34% |
| CAPITAL ASSET INS. SERVICES, INC.3 Filed as: CAPITAL ASSET INSURANCE SERVICES | 15744 SOUTH PEACOCK ROAD HASLETT, MI 48840 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $265 | $0 | $265 | 5.10% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 1.08% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.17% |
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCLAREN | 210 | $2.0M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 694 | $319K |
| Vision | VISION SERVICE PLAN | 286 | $35K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $124K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $5K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $85K |
| Prescription drug | MCLAREN | 210 | $2.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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."
No prospect flags tripped on this filing.