| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP, INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | HEALTH ALLIANCE PLAN | $4K | — | $4K | 1.42% |
| JOSEPH J HANEY3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRIORITY HEALTH | $7K | — | $7K | 4.00% |
| JOSEPH J HANEY3 Filed as: JOSEPH J. HANEY | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRIORITY HEALTH | $7K | — | $7K | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC DB | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $17 | $5K | 9.17% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $502 | $2K | 2.91% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN DBA THE | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $422 | $3K | 10.64% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.98% |
| STERLING INSURANCE GROUP3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRINCIPAL LIFE INSURANCE COMPANY | $209 | — | $209 | 0.68% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $126 | $126 | 0.41% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP, INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $27 | — | $27 | 0.34% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN DBA THE | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRINCIPAL LIFE INSURANCE COMPANY | $391 | $36 | $427 | 12.29% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $213 | $213 | 6.13% |
| STERLING INSURANCE GROUP3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRINCIPAL LIFE INSURANCE COMPANY | $36 | — | $36 | 1.04% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $21 | $21 | 0.60% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HEALTH ALLIANCE PLAN | 60 | $600K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 48 | $31K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 44 | $3K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $52K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $52K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $52K |
| Other(4 contracts, 4 carriers) | HEALTH ALLIANCE PLAN | 125 | $480K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.