| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | — | ARDELLIS | $46K | — | $46K | 13.15% |
| MATTAR FINANCIAL CORP3 Filed as: MATTAR FINANCIAL CORPORATION | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 10.34% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 21.40% |
| THE ROBBINS GROUP3 | 330 SUPERIOR MALL PORT IIURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $293 | — | $293 | 1.15% |
| CORPORATE BENEFIT SOLUTIONS3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | EYEMED | $3K | — | $3K | 15.51% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 27750 STANSBURY BOULEVARD SUITE 100 FARMINGTON HILLS, MI 48334 | GUARDIAN | $1K | $1K | $2K | 13.87% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | GUARDIAN | $50 | — | $50 | 0.32% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 22.17% |
| THE ROBBINS GROUP3 | 330 SUPERIOR MALL PORT IIURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $145 | — | $145 | 1.01% |
| MATTAR FINANCIAL CORP3 Filed as: MATTAR FINANCIAL CORPORATION | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 22.00% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 179 | $16K |
| Vision(2 contracts, 2 carriers) | EYEMED | 352 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 200 | $137K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 200 | $137K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 200 | $137K |
| Stop-loss / reinsurancereinsurance | ARDELLIS | 178 | $349K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 200 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.