| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT MOGLIA3 | 1263 W SQUARE LAKE RD BLOOMFIELD, MI 483023520 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| US HEALTH AND LIFE INSURANCE CO EIN 06-1341715 ADMINISTRATOR | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Other services; Participant communication Service code 12 | 8220 IRVING RD STERLING HEIGHTS, MI 48312 | $152K |
| UH INSURANCE AGENCY NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2838 E LONG LAKE RD STE 230 TROY, MI 48085 | $61K |
| AUTOMATED BENEFIT SERVICES NONE | Insurance agents and brokers; Other commissions Service code 22 | 8220 IRVING RD STERLING HEIGHTS, MI 48317 | $25K |
| TMR & ASSOCIATES NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 601 ABBOT STREET DETROIT, MI 48226 | $10K |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $31K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.