| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | HEALTH ALLIANCE PLAN | $23K | — | $23K | 4.35% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | HEALTH ALLIANCE PLAN | $28K | — | $28K | 11.40% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC DBA | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.47% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.08% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $419 | $419 | 0.72% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC DBA | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $36 | $5K | 9.27% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BOULEVARD SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $590 | $3K | 5.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC D/ | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | METROPOLITAN LIFE INSURANCE COMPANY | — | $580 | $580 | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 7.68% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC DBA | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRINCIPAL LIFE INSURANCE COMPANY | $746 | — | $746 | 9.47% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $396 | $396 | 5.03% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $36 | $36 | 0.46% |
| CHELETEN BENEFITS GROUP AGENCY, INC3 | 4768 PARVIEW DRIVE CLARKSTON, MI 48346 | AMFIRST CF | $542 | — | $542 | 9.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | AMFIRST CF | $301 | — | $301 | 5.00% |
| DAVID OP WHITE0 | P O BOX 14067 JACKSON, MS 39236 | AMFIRST CF | $301 | — | $301 | 5.00% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | P O BOX 14067 JACKSON, MS 39236 | AMFIRST CF | $181 | — | $181 | 3.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW HERREN (MWL) | — | AMFIRST CF | $90 | — | $90 | 1.50% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 99 | $789K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 75 | $58K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 71 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $58K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $58K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $58K |
| Other(4 contracts, 4 carriers) | HEALTH ALLIANCE PLAN | 139 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.