| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C WILSON AGENCY, INC. | PO BOX 5069 SOUTHFIELD, MI 48086 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.99% |
| ACRISURE LLC3 Filed as: RALPH WILSON AGENCY INC | 26026 TELEGRAPH ROAD PO BOX 5069 SOUTHFIELD, MI 48086 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.44% |
| ACRISURE LLC3 Filed as: RALPH WILSON AGENCY INC | 26026 TELEGRAPH ROAD PO BOX 5069 SOUTHFIELD, MI 48086 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.84% |
| TITAN BENEFIT COMMUNICATIONS LLC3 | 504 EAST 4TH STREET ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 6.30% |
| ACRISURE LLC3 Filed as: RALPH WILSON AGENCY, INC | 26026 TELEGRAPH ROAD PO BOX 5069 SOUTHFIELD, MI 48086 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 2.69% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 447 | $113K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $135K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $101K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.