| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA K BRAYAN3 Filed as: LISA BRAYAN | 7591 PARADISE DRIVE GRAND BLANC, MI 48439 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $13K | — | $13K | 5.11% |
| HEALTH ALLIANCE ADMINISTRATORS INC5 | 39500 HIGH POINTE BLVD #400 NOVI, MI 48375 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $5K | — | $5K | 1.87% |
| LISA K BRAYAN3 Filed as: LISA BRAYAN | 7591 PARADISE DRIVE GRAND BLANC, MI 48439 | HEALTH ALLIANCE PLAN | $14K | — | $14K | 5.31% |
| HEALTH ALLIANCE ADMINISTRATORS INC5 | 39500 HIGH POINTE BLVD #400 NOVI, MI 48375 | HEALTH ALLIANCE PLAN | $5K | — | $5K | 1.85% |
| LISA K BRAYAN3 | 7591 PARADISE DR GRAND BLANC, MI 48439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.83% |
| LISA K BRAYAN3 | 7591 PARADISE DR GRAND BLANC, MI 48439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $394 | — | $394 | 1.17% |
| 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 | $884 | — | $884 | 10.00% |
| LISA K BRAYAN3 | 7591 PARADISE DR GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $422 | — | $422 | 5.00% |
| LISA K BRAYAN3 | 7591 PARADISE DR GRAND BLANC, MI 48439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| BRAYAN, LISA K.3 | 7591 PARADISE DRIVE GRAND BLANC, MI 48439 | EYEMED VISION CARE | $336 | — | $336 | 8.43% |
| BRAYAN, LISA K.3 | 8113 WOLFSON LANE GRAND BLANC, MI 48439 | EYEMED VISION CARE | $67 | — | $67 | 1.68% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | 49 | $513K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 54 | $34K |
| Vision | EYEMED VISION CARE | 61 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $27K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $15K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.