| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA K BRAYAN5 Filed as: LISA BRYAN | 7951 PARADISE DRIVE GRAND BLANC, MI 48439 | HEALTH ALLIANCE PLAN | $12K | — | $12K | 5.43% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 | 39500 HIGH POINTE BOULEVARD #400 NOVI, MI 48375 | HEALTH ALLIANCE PLAN | $2K | — | $2K | 1.09% |
| LISA K BRAYAN3 Filed as: LISA BRYAN | 7951 PARADISE DRIVE GRAND BLANC, MI 48439 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 4.99% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 | 39500 HIGH POINTE BOULEVARD #400 NOVI, MI 48375 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| LISA K BRAYAN3 | 7591 PARADISE DRIVE GRAND BLAC, MI 48439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.48% |
| LISA K BRAYAN3 | 7591 PARADISE DRIVE GRAND BLAC, MI 48439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $194 | — | $194 | 0.52% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 0.13% |
| LISA K BRAYAN3 | 9318 CHESTERFIELD DRIVE SWARTZ CREEK, MI 48473 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LISA K BRAYAN3 | 9318 CHESTERFIELD DRIVE SWARTZ CREEK, MI 48473 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $931 | — | $931 | 10.00% |
| LISA K BRAYAN3 | 9318 CHESTERFIELD DRIVE SWARTZ CREEK, MI 48473 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $451 | — | $451 | 5.00% |
| LISA K BRAYAN3 | 9318 CHESTERFIELD DRIVE SWARTZ CREEK, MI 48473 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $941 | — | $941 | 15.00% |
| BRAYAN, LISA K.3 | 8133 WOLFSON LANE GRAND BLANC, MI 48439 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $478 | — | $478 | 10.79% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 52 | $446K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $37K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 69 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $30K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 18 | $15K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.