| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | MCLAREN HEALTH PLAN | $804K | $38K | $842K | 109.79% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | MUTUAL OF OMAHA | $107K | $12K | $119K | 174.02% |
| MICHIGAN PLANNERS, INC.5 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | AMFIRST | $65K | $10K | $75K | 136.67% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | EYE MED | $12K | $1K | $14K | 119.93% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MCLAREN HEALTH PLAN | 111 | $822K |
| Dental | MUTUAL OF OMAHA | 125 | $68K |
| Vision | EYE MED | 220 | $11K |
| Life insurance | MUTUAL OF OMAHA | 125 | $68K |
| Long-term disability | MUTUAL OF OMAHA | 125 | $68K |
| Other | AMFIRST | 78 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.