| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN HAMMING3 Filed as: KEVIN A HAMMING | 43370 MOUND RD STERLING HEIGHTS, MA 483142022 | BLUE CARE NETWORK OF MICHIGAN | $27K | $828 | $28K | 2.14% |
| KEVIN HAMMING3 | 43370 MOUND RD STERLING HEIGHTS, MI 483142022 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $52 | $4K | 2.50% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS, LL | 43370 MOUND ROAD STERLING HEIGHTS, MA 48314 | DELTA DENTAL OF MICHIGAN | $6K | $348 | $6K | 5.30% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BNFT SLTNS LLC | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 20.00% |
| BBRSI EMPLOYEE BNFT SLTNS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BNFT SLTNS LLC | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $671 | — | $671 | 10.00% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 221 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 252 | $118K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 171 | $143K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $79K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $19K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 221 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
No prospect flags tripped on this filing.