| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT WOOSTER3 | 26255 AMERICAN DR. SOUTHFIELD, MI 48034 | PRIORITY HEALTH | $47K | — | $47K | 2.54% |
| MICHELLE R. AMADOR3 | 600 S. WALNUT ST. LANSING, MI 48933 | PRIORITY HEALTH | $45K | — | $45K | 2.44% |
| SCOTT WOOSTER3 | 26255 AMERICAN DR. SOUTHFIELD, MI 48034 | PRIORITY HEALTH INSURANCE COMPANY | $5K | — | $5K | 2.73% |
| MICHELLE R. AMADOR3 | 60 S. WALNUT ST. LANSING, MI 48933 | PRIORITY HEALTH INSURANCE COMPANY | $4K | — | $4K | 2.26% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 16142 COLLECTION CTR. DR. CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $245 | $5K | 12.27% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES INC. | 600 S. WALNUT ST. LANSING, MI 489332200 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.85% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 230 | $2.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $69K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $69K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 230 | $2.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.