| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $8K | $18K | 8.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 6.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.58% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.72% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 410 S UNION ST TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.31% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | MUTUAL OF OMAHA | $179 | $125 | $304 | 7.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | MUTUAL OF OMAHA | $228 | $0 | $228 | 5.61% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 358 | $122K |
| Vision | VISION SERVICE PLAN | 158 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $224K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $224K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $224K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.