| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 16142 COLLECTION CTR DRIVE CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $3K | $22K | 5.73% |
| ROY LAMPHIER3 | 11 CAMBRIDGE BLVD PLEASANT RIDGE, MI 48069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 1.77% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 16142 COLLECTION CTR DRIVE CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $4K | $36K | 11.19% |
| MML INSURANCE AGENCY LLC3 | P.O. BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 3.53% |
| JASON TETHER3 | 28411 NORTHWESTERN HWY, STE 1000 SOUTHFIELD, MI 48034 | METROPOLITAN LIFE INSURANCE COMPANY | $34 | — | $34 | 0.01% |
| DAVID LAU3 | 44 E LONG LAKE ROAD, STE 300 BLOOMFIELD HILLS, MI 48304 | METROPOLITAN LIFE INSURANCE COMPANY | $31 | — | $31 | 0.01% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 16142 COLLECTION CTR DRIVE CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 5.03% |
| ROY LAMPHIER3 | 11 CAMBRIDGE BLVD PLEASANT RIDGE, MI 48069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 1.77% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 16142 COLLECTION CTR DRIVE CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $454 | $6K | 13.10% |
| RONALD L HILLIARD3 | 75 14TH STREET NE, STE 4440 ATLANTA, GA 30309 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 1.84% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $590K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 398 | $35K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $664K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $327K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $327K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 490 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.