| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | TOTAL HEALTHCARE USA, INC | $31K | — | $31K | 4.06% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP, INC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 6.23% |
| STERLING INSURANCE GROUP3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | HERITAGE VISION PLANS INC | $846 | — | $846 | 9.36% |
| THE STERLING ROUP3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $482 | — | $482 | 10.52% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOTAL HEALTHCARE USA, INC | 283 | $770K |
| Dental | DELTA DENTAL OF MICHIGAN | 185 | $35K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTHCARE USA, INC | 283 | $779K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $5K |
| Prescription drug | TOTAL HEALTHCARE USA, INC | 283 | $770K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.