| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 16142 COLLECTION CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $5K | $45K | 11.88% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 16142 COLLECTION CTR DR CHICAGO, IL 60693 | UNITED CONCORDIA INSURANCE COMPANY | $35K | $4K | $40K | 11.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD, STE 200 TROY, MI 48084 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $1K | $7K | 2.03% |
| MML INSURANCE AGENCY LLC3 | P.O. BOX 8089 BOSTON, MA 022668089 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 4.57% |
| DAVID LAU3 | 41000 WOODWARD AVE STE 250 BLOOMFIELD HILLS, MI 48304 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RONALD L HILLIARD3 | 75 14TH STREET NE, STE 4440 ATLANTA, GA 30309 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 1.68% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 202 | $352K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 413 | $35K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $627K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $378K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $385K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.