| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS, INC. | 1258 S WASHINGTON AVE SAGINAW, MI 48605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.53% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS, INC. | 1258 S WASHINGTON AVE SAGINAW, MI 48605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.28% |
| SAGINAW BAY UNDERWRITERS3 | 1258 S WASHINGTON AVE SAGINAW, MI 486012509 | VISION SERVICE PLAN | $2K | — | $2K | 3.62% |
| AMA INS AGENCY INC3 Filed as: AMA INS AGENCY, INC | 330 N WABASH AVE STE 39300 CHICAGO, IL 60611 | STANDARD INSURACE COMPANY | $1 | $4K | $4K | 25.00% |
| PROFESSIONAL BENEFIT CONSULTANTS3 | 7525 SE 24TH ST STE350 MERCER ISLAND, WA 98040 | STANDARD INSURACE COMPANY | $2K | $346 | $3K | 17.13% |
| PROFESSIONAL BENEFIT CONSULTANTS3 | PO BOX 797 MERCER ISLAND, WA 98040 | STANDARD INSURACE COMPANY | $0 | $972 | $972 | 6.00% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS, INC. | 1258 S WASHINGTON AVE SAGINAW, MI 48605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 295 | $52K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 356 | $90K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $174K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 356 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.