| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS, LL | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | HEALTH ALLIANCE PLAN | $48K | — | $48K | 4.25% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS, LL | 43370 MOUND RD STERLING HEIGHTS, MI 483142022 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $5K | — | $5K | 4.25% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS, LL | 43370 MOUND ROAD STERLING HEIGHTS, MA 48314 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.64% |
| 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 | $11K | $1K | $12K | 22.20% |
| BBRSI EMPLOYEE BNFT SLTNS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $451 | $5K | 22.07% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $303 | $303 | 1.96% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS, LL | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | VISION SERVICE PLAN | $785 | — | $785 | 6.57% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $55 | — | $55 | 0.46% |
| 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 | $491 | $101 | $592 | 12.06% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 215 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 236 | $93K |
| Vision | VISION SERVICE PLAN | 84 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $59K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $15K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 215 | $1.3M |
| Other(3 contracts, 2 carriers) | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | 125 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.