| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $40K | — | $40K | 9.09% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE TROY, MI 48098 | RELIASTAR LIFE INSURANCE COMPANY | $54K | — | $54K | 24.40% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE TROY, MI 48098 | RELIASTAR LIFE INSURANCE COMPANY | $54K | — | $54K | 35.86% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE TROY, MI 48098 | RELIASTAR LIFE INSURANCE COMPANY | $54K | — | $54K | 53.11% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE TROY, MI 48098 | EYE MED | $6K | — | $6K | 8.11% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE TROY, MI 48098 | RELIASTAR LIFE INSURANCE COMPANY | $54K | — | $54K | 90.47% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 9.07% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE TROY, MI 48098 | RELIASTAR LIFE INSURANCE COMPANY | $54K | — | $54K | 138.08% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE TROY, MI 48098 | RELIASTAR LIFE INSURANCE COMPANY | $54K | — | $54K | 244.06% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE TROY, MI 48098 | RELIASTAR LIFE INSURANCE COMPANY | $54K | — | $54K | 262.51% |
| STEVE T MATTAR3 Filed as: STEVE T. MATTAR | 5750 NEW KING DRIVE TROY, MI 48098 | BLUE CROSS BLUE SHIELD | $18K | $52K | $69K | — |
| CORPORATE BENEFIT SOLUTIONS Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE TROY, MI 48098 | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $26K | — | $26K | — |
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 | 705 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 373 | $0 |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 1,003 | $489K |
| Vision | EYE MED | 1,024 | $75K |
| Life insurance(3 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 720 | $213K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 410 | $102K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 511 | $0 |
| Other(3 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 720 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,024 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.