| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PM GROUP BENEFIT ADVISORS II, LLC3 | 2601 CAMBRIDGE COURT, STE 500 AUBURN HILLS, MI 48326 | HEALTH ALLIANCE PLAN | $29K | — | $29K | 1.94% |
| PM GROUP BENEFIT ADVISORS II, LLC3 | 2601 CAMBRIDGE COURT, STE 500 AUBURN HILLS, MI 48326 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 2.98% |
| PM GROUP BENEFIT ADVISORS II, LLC3 | 2601 CAMBRIDGE COURT, STE 500 AUBURN HILLS, MI 48326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.03% |
| PM GROUP BENEFIT ADVISORS II, LLC3 | 2601 CAMBRIDGE COURT, STE 500 AUBURN HILLS, MI 48326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.59% |
| PM GROUP BENEFIT ADVISORS II, LLC3 | 2601 CAMBRIDGE COURT, STE 500 AUBURN HILLS, MI 48326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $774 | — | $774 | 12.00% |
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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 80 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE PLAN | 234 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 1,007 | $376K |
| Vision | HM LIFE INSURANCE COMPANY | 138 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 765 | $139K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 428 | $111K |
| Prescription drug | HEALTH ALLIANCE PLAN | 234 | $1.5M |
| Other(2 contracts, 2 carriers) | MHN SERVICES | 502 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,007 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.