| 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 | 4.98% |
| LISA K BRAYAN3 | 7591 PARADISE DR GRAND BLANC, MI 48439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.00% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 0.12% |
| LISA K BRAYAN3 | 7591 PARADISE DR GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LISA K BRAYAN3 | 7591 PARADISE DR GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $915 | — | $915 | 10.00% |
| LISA K BRAYAN3 | 7591 PARADISE DR GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| LISA K BRAYAN3 | 7591 PARADISE DR GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $374 | — | $374 | 5.00% |
| BRAYAN, LISA K.3 | 7591 PARADISE DRIVE GRAND BLANC, MI 48439 | EYEMED VISION CARE | $409 | — | $409 | 9.90% |
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 | 95 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCLAREN | 80 | $482K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 52 | $33K |
| Vision | EYEMED VISION CARE | 67 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $30K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 374 | $15K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.