| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | PO BOX 6392 GRAND RAPIDS, MI 49615 | COMPANION LIFE | $15K | $0 | $15K | 3.00% |
| FLINN FINANCIAL, INC.3 Filed as: FLINN FINANCIAL INC | 1150 BOYNE AVE BOYNE CITY, MI 49712 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 11.34% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $13K | $13K | 5.51% |
| FLINN FINANCIAL, INC.3 Filed as: FLINN FINANCIAL, INC | 1150 BOYNE AVE BOYNE CITY, MI 49712 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 3.09% |
| FLINN FINANCIAL, INC.3 Filed as: FLINN FINANCIAL, INC | 1150 BOYNE AVE BOYNE CITY, MI 49712 | VISION SERVICE PLAN | $4K | $0 | $4K | 7.33% |
| BAKER HOPP INC3 | 20789 HARPER AVENUE HARPER WOODS, MI 48225 | ACE AMERICAN INSURANCE COMPANY | $349 | — | $349 | 14.99% |
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 | 435 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 726 | $160K |
| Vision | VISION SERVICE PLAN | 305 | $52K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 435 | $227K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 435 | $227K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 435 | $227K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 372 | $505K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.