| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | — | COMPANION LIFE | $34K | — | $34K | 6.50% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW BAY UNDERWRITERS, INC | PO BOX 1928 SAGINAW, MI 48605 | DELTA DENTAL | $7K | — | $7K | 3.06% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS INC | 1258 S WASHINGTON AVE PO BOX 1928 SAGINAW, MI 48605 | RELIANCE STANDARD | $3K | — | $3K | 3.99% |
| SAGINAW BAY UNDERWRITERS3 | 1258 S WASHINGTON AVE SAGINAW, MI 48601 | VISION SERVICE PLAN | $2K | — | $2K | 3.78% |
| AMA INS AGENCY INC3 | 330 N WABASH AVE STE 39300 CHICAGO, IL 60611 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 25.36% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS INC | 1258 S WASHINGTON AVE SAGINAW, WA 48601 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PROFESSIONAL BNFT CONSULTANTS3 | 7525 SE 24TH ST STE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $311 | — | $311 | 1.75% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS INC | 1258 S. WASHINGTON AVE P.O. BOX 1928 SAGINAW, MI 48605 | RELIANCE STANDARD | $2K | — | $2K | 15.02% |
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 | 405 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 644 | $225K |
| Vision | VISION SERVICE PLAN | 292 | $48K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 405 | $97K |
| Long-term disability | STANDARD INSURANCE COMPANY | 163 | $18K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE | 405 | $609K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.