| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA K BRAYAN3 Filed as: LISA BRAYAN | 7591 PARADISE DR. GRAND BLANC, MI 48439 | MCLAREN | $24K | — | $24K | 4.90% |
| LISA K BRAYAN3 | 7591 PARADISE DR. GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.61% |
| LAKE AGENCY, INC.3 Filed as: LAKE AGENCY INC | P.O. BOX 6000 GRAND BLANC, MI 48480 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $86 | — | $86 | 0.39% |
| LISA K BRAYAN3 Filed as: LISA K. BRAYAN | 7591 PARADISE DR. GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $848 | — | $848 | 9.75% |
| LAKE AGENCY, INC.3 Filed as: LAKE AGENCY INC. | P.O. BOX 6000 GRAND BLANC, MI 48480 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22 | — | $22 | 0.25% |
| LISA K BRAYAN3 | 7591 PARADISE DR. GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $403 | — | $403 | 4.87% |
| LAKE AGENCY, INC.3 Filed as: LAKE AGENCY INC | P.O. BOX 6000 GRAND BLANC, MI 48480 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| LISA K BRAYAN3 | 7591 PARADISE DR. GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.61% |
| LAKE AGENCY, INC.3 Filed as: LAKE AGENCY INC | P.O. BOX 6000 GRAND BLANC, MI 48480 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29 | — | $29 | 0.38% |
| LISA K BRAYAN3 Filed as: LISA K. BRAYAN | 7591 PARADISE DR. GRAND BLANC, MI 48439 | EYEMED | $407 | — | $407 | 9.21% |
| TOTAL BENEFIT SYSTEMS INC3 Filed as: TOTAL BENEFIT SYSTEMS | 7591 PARADISE DR. GRAND BLANC, MI 48439 | EYEMED | $73 | — | $73 | 1.65% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCLAREN | 88 | $480K |
| Vision | EYEMED | 65 | $4K |
| Life insurance(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $8K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $31K |
| 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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.