| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 42400 GARFIELD ROAD SUITE A CLINTON TOWNSHIP, MI 48038 | MCLAREN HEALTH PLAN | $33K | — | $33K | 4.96% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | AM FIRST | $8K | — | $8K | 10.00% |
| MWL5 | PO BOX 14067 JACKSON, MS 39236 | AM FIRST | $4K | — | $4K | 5.00% |
| JOHN KELLY | 4768 PARVIEW CLARKSTON, MI 48346 | AM FIRST | $2K | — | $2K | 3.26% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | MUTUAL OF OMAHA | $3K | — | $3K | 4.56% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | EYE MED | $1K | — | $1K | 10.14% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MCLAREN HEALTH PLAN | 127 | $750K |
| Dental | MUTUAL OF OMAHA | 137 | $58K |
| Vision | EYE MED | 244 | $12K |
| Life insurance | MUTUAL OF OMAHA | 137 | $58K |
| Long-term disability | MUTUAL OF OMAHA | 137 | $58K |
| Other | AM FIRST | 99 | $76K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.