| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA K BRAYAN3 Filed as: LISA BRAYAN | 7591 PARADISE DR. GRAND BLANC, MI 48439 | MCLAREN | $22K | — | $22K | 4.97% |
| LISA K BRAYAN3 Filed as: LISA K. BRAYAN | 7591 PARADISE DR. GRAND BLANC, MI 48439 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.11% |
| LISA K BRAYAN3 Filed as: LISA K. BRAYAN | 7591 PARADISE DR. GRAND BLANC, MI 48439 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $349 | — | $349 | 0.89% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 0.12% |
| LISA K BRAYAN3 Filed as: LISA K. BRAYAN | 7591 PARADISE DR. GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.50% |
| LAKE AGENCY, INC.3 | P.O. BOX 6000 GRAND BLANC, MI 48480 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.50% |
| LISA K BRAYAN3 | 7591 PARADISE DR. GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $666 | — | $666 | 7.00% |
| LAKE AGENCY, INC.3 | P.O. BOX 6000 GRAND BLANC, MI 48480 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $285 | — | $285 | 3.00% |
| LISA K BRAYAN3 Filed as: LISA K. BRAYAN | 7591 PARADISE DR. GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $330 | — | $330 | 3.50% |
| LAKE AGENCY, INC.3 | P.O. BOX 6000 GRAND BLANC, MI 48480 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $142 | — | $142 | 1.50% |
| LISA K BRAYAN3 | 7951 PARADISE DR. GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $953 | — | $953 | 10.50% |
| LAKE AGENCY, INC.3 | P.O. BOX 6000 GRAND BLANC, MI 48480 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $408 | — | $408 | 4.50% |
| TOTAL BENEFIT SYSTEMS INC3 Filed as: TOTAL BENEFIT SYSTEMS | 7591 PARADISE DRIVE GRAND BLANC, MI 48439 | EYEMED | $366 | — | $366 | 8.33% |
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 | 92 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCLAREN | 92 | $450K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 54 | $39K |
| Vision | EYEMED | 66 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $39K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $19K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.