| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARITY BENEFIT CONSULTING LLC3 Filed as: CLARITY BENEFIT CONSULTING, LLC | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE CO OF AMERICA | $6K | $2K | $8K | 3.89% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE CO OF AMERICA | $6K | $727 | $7K | 3.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | MINNESOTA LIFE INS COMPANY | $4K | — | $4K | 4.52% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVE TOLEDO, OH 43604 | MINNESOTA LIFE INS COMPANY | $2K | — | $2K | 2.67% |
| BROOKS INSURANCE AGENCY3 Filed as: BROOKS INSURANCE AGENCY INC | 1120 MADISON AVE TOLEDO, OH 43604 | MINNESOTA LIFE INS COMPANY | $2K | — | $2K | 1.86% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GRP LLC | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | MINNESOTA LIFE INS COMPANY | $0 | $599 | $599 | 0.66% |
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 | 955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,637 | $549K |
| Vision | NATIONAL GUARDIAN LIFE INS COMPANY | 621 | $66K |
| Life insurance | MINNESOTA LIFE INS COMPANY | 955 | $90K |
| Short-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 684 | $212K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 684 | $212K |
| Stop-loss / reinsurancereinsurance | PARAMOUNT CARE OF MICHIGAN | 1,476 | $430K |
| Other | MINNESOTA LIFE INS COMPANY | 955 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,637 | — |
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."
No prospect flags tripped on this filing.