| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DALY-MERRITT, INC.3 Filed as: DALY MERRITT, INC | 100 MAPLE STREET WYANDOTTE, MI 48192 | TOTAL HEALTH CARE USA, INC. | $43K | — | $43K | 3.75% |
| DALY-MERRITT, INC.3 Filed as: DALY MERRITT, INC | 100 MAPLE STREET WYANDOTTE, MI 481925928 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 9.49% |
| DALY-MERRITT, INC.3 Filed as: DALY MERRITT, INC | 100 MAPLE STREET WYANDOTTE, MI 48192 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 4.35% |
| DALY-MERRITT, INC.3 Filed as: DALY MERRITT, INC | 100 MAPLE STREET WYANDOTTE, MI 48192 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| DALY-MERRITT, INC.3 Filed as: DALY MERRITT, INC | 100 MAPLE STREET WYANDOTTE, MI 48192 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| DALY-MERRITT, INC.3 Filed as: DALY MERRITT, INC | 100 MAPLE STREET WYANDOTTE, MI 48192 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $443 | — | $443 | 14.98% |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 15 | $94K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 420 | $144K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 306 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 420 | $147K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $10K |
| Prescription drug(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 306 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 420 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.