| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | — | ARDELLIS | $72K | — | $72K | 13.15% |
| MATTAR FINANCIAL CORP3 Filed as: MATTAR FINANCIAL CORPORATION | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 9.27% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 16.25% |
| THE ROBBINS GROUP3 | 330 SUPERIOR MALL PORT HURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.07% |
| CORPORATE BENEFIT SOLUTIONS3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | EYEMED | $2K | — | $2K | 9.99% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 19.30% |
| THE ROBBINS GROUP3 | 330 SUPERIOR MALL PORT HURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $116 | — | $116 | 0.99% |
| MATTAR FINANCIAL CORP3 Filed as: MATTAR FINANCIAL CORPORATION | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 22.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATES | 27750 STANSBURY BOULEVARD SUITE 100 FARMINGTON HILLS, MI 48334 | GUARDIAN | $520 | $283 | $803 | 11.40% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING STREET SUITE 310 TROY, MI 48098 | GUARDIAN | -$50 | — | -$50 | -0.71% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 170 | $7K |
| Vision | EYEMED | 334 | $17K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 226 | $230K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $223K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $223K |
| Stop-loss / reinsurancereinsurance | ARDELLIS | 163 | $544K |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 226 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.