| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER ROAD TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 11.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.49% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER ROAD TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.45% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER ROAD TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BARBENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $988 | — | $988 | 2.49% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER ROAD TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 15.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.74% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing; Float revenue; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 12 | — | $179K |
| EMPLOYEE HEALTH INSURANCE MGT, INC. EIN 38-2776173 RX ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $0 |
| JOSEPH A KING BROKER | Insurance agents and brokers; Other fees; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 1707 W. BIG BEAVER ROAD TROY, MI 48084 | $0 |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Non-monetary compensation; Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers; Other fees Service code 22 | — | $0 |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $29K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS & BLUE SHIELD OF MICHIGAN | 187 | $371K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.