| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A KING3 Filed as: JOSEPH A. KING | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | PRIORITY HEALTH | $37K | $0 | $37K | 4.00% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $12K | 12.69% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.05% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | UNKNOWN PLYMOUTH, MI 48170 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52 | $0 | $52 | 0.10% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | FSL | $1K | $0 | $1K | 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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 155 | $922K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $51K |
| Vision | FSL | 177 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $92K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $92K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $92K |
| Prescription drug | PRIORITY HEALTH | 155 | $922K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.