| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL PANNUTO3 Filed as: MICHAEL P PANNUTO | 34656 GIANNETTI DR STERLING HTS, MI 48312 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $29K | $34K | 2.88% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HTS, MI 48310 | UNITEDHEALTHCARE INSURANCE COMPANY | $210 | $0 | $210 | 0.02% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE GROUP BENEFITS | — | ARCH INSURANCE COMPANY | $14K | $0 | $14K | 13.77% |
| ACI3 | — | ARCH INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| CHELTEN BENEFITS GROUP3 Filed as: CHELTEN BENEFIT | — | ARCH INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| SURETY MARKETING3 | — | ARCH INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC DBA SALUS GRO | — | ARCH INSURANCE COMPANY | $1K | $0 | $1K | 1.22% |
| PANNUTO, MICHAEL P3 | 34656 GIANNETTI DR STERLING HEIGHTS, MI 48312 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 16.58% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $1.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $39K |
| Other(2 contracts, 2 carriers) | ARCH INSURANCE COMPANY | 208 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.