| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT J. FARRIS3 | 26026 TELEGRAPH RD STE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $38K | $38K | 2.98% |
| PROADVISOR INSURANCE AGY LLC3 | 26555 EVERGREEN RD STE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.14% |
| PROADVISOR INSURANCE AGY LLC3 | 26555 EVERGREEN RD STE 535 SOUTHFIELD, MI 48076 | GUARDIAN INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 4.81% |
| ROBERT J. FARRIS3 | PO BOX 5069 SOUTHFIELD, MI 48086 | GUARDIAN INSURANCE COMPANY OF AMERICA | — | $0 | $0 | 0.00% |
| PROADVISOR INSURANCE AGY LLC3 | 26555 EVERGREEN RD STE 535 SOUTHFIELD, MI 48086 | GUARDIAN INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 12.82% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES WESTLAKE, OH 44145 | GUARDIAN INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
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 | 244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 244 | $1.3M |
| Dental | GUARDIAN INSURANCE COMPANY OF AMERICA | 142 | $130K |
| Vision | GUARDIAN INSURANCE COMPANY OF AMERICA | 142 | $130K |
| Life insurance | GUARDIAN INSURANCE COMPANY OF AMERICA | 116 | $61K |
| Long-term disability | GUARDIAN INSURANCE COMPANY OF AMERICA | 116 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.