| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BLVD STE 300 BRIGHTON, MI 48116 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $80K | $0 | $80K | 4.20% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 48307 | SYMETRA LIFE INSURANCE COMPANY | $19K | $9K | $28K | 14.49% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BOULEVARD BRIGHTON, MI 481668068 | DELTA DENTAL OF MICHIGAN | $3K | $913 | $3K | 2.20% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 48307 | VISION SERVICE PLAN | $1K | $0 | $1K | 8.13% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | 375 E WARM SPRINGS RD STE 201 LAS VEGAS, NV 89119 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $4K | $0 | $4K | 46.43% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 439 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 466 | $156K |
| Vision | VISION SERVICE PLAN | 192 | $16K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 264 | $194K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 264 | $194K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 264 | $194K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 264 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.