| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | — | SYMETRA LIFE INSURANCE COMPANY | $36K | — | $36K | 14.00% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.90% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | GUARDIAN | $3K | — | $3K | 6.90% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | GUARDIAN | $345 | — | $345 | 0.86% |
| MATTER FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 19.07% |
| THE ROBBINS GROUP3 | 330 SUPERIOR MALL PORT HURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.71% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.43% |
| MATTER FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 27.77% |
| THE ROBBINS GROUP3 | 330 SUPERIOR MALL PORT HURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.62% |
| MATTER FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.65% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 214 | $40K |
| Vision | GUARDIAN | 214 | $40K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $72K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $32K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 201 | $258K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.