| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | PO BOX 6392 GRAND RAPIDS, MI 49516 | COMPANION LIFE | $96K | $0 | $96K | 13.00% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.00% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.94% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | VISION SERVICE PLAN | $6K | $0 | $6K | 9.66% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 8.09% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 11.66% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 9.43% |
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 | 421 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 760 | $193K |
| Vision | VISION SERVICE PLAN | 314 | $59K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 421 | $121K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $54K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $52K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 369 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.