| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY RD STE 148 NOVI, MI 483772903 | UNITED HEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 5.79% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATION | 27750 STANSBURY BLVD 100 FARMINGTON HILLS, MI 48334 | UNITED HEALTHCARE INSURANCE COMPANY | $468 | — | $468 | 0.05% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO & ASSOC | 340 E BIG BEAVER RD, STE 160 TROY, MI 48083 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.15% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $927 | — | $927 | 5.62% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO & ASSOCIATES, INC | 340 E BIG BEAVER RD TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $722 | — | $722 | 4.38% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $717 | — | $717 | 5.54% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 E BIG BEAVER RD TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $578 | — | $578 | 4.46% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATES | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $466 | — | $466 | 5.63% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO & ASSOCIATES, INC | 340 E BIG BEAVER RD TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $361 | — | $361 | 4.36% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO & ASSOCIATES, INC | 1450 W. LONG LAKE STE 250 TROY, MI 48098 | HM LIFE INSURANCE COMPANY | $824 | — | $824 | 10.00% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 E. BIG BEAVER RD TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $464 | — | $464 | 11.87% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 E BIG BEAVER RD TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 79 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 130 | $929K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $36K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $13K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.