See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 6 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 20 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT CHOICES LLC BROKER | Insurance agents and brokers Service code 22 | 1591 JACKSON ST MARNE, MI 49435 | $0 |
| DEREK GENE BALLARD BROKER | Insurance agents and brokers Service code 22 | 17441 MADISON ST SOUTHFIELD, MI 48076 | $0 |
| DIANNA ATCHISON BROKER | Insurance agents and brokers Service code 22 | 15130 SNOWBERRY CT SPRING LAKE, MI 49456 | $0 |
| ERIC LAFAYETTE HAMLAR BROKER | Insurance agents and brokers Service code 22 | 23223 BELLWORD DR SOUTHFIELD, MI 48034 | $0 |
| HOWARD HOROWITZ BROKER | Insurance agents and brokers Service code 22 | 2610 ALCOTT STREET CARMEL, IN 46032 | $0 |
| JASON RODERICK BROKER | Insurance agents and brokers Service code 22 | 2130 28TH ST SW WYOMING, MI 49519 | $0 |
| MACQUEEN & ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | $0 |
| MELANDIE HINES BROKER | Insurance agents and brokers Service code 22 | 6676 LAKEVIEW BLVD APT 16204 WESTLAND, MI 48185 | $0 |
| NICHOLAS GARRY BROKER | Insurance agents and brokers Service code 22 | 9073 HACKBERRY AVENUE PLYMOUTH, MI 48170 | $0 |
| PARRISH PEACHEE BROKER | Insurance agents and brokers Service code 22 | 201 W 103RD ST INDIANAPOLIS, IN 46290 | $0 |
| RICHARD LOUIS GAROFOLA BROKER | Insurance agents and brokers Service code 22 | 6503 HERITAGE WEST BLOOMFIELD, MI 48322 | $0 |
| TATE ALLEN JESKY BROKER | Insurance agents and brokers Service code 22 | 8169 HUNTING CT GEORGETOWN, MI 49428 | $0 |
| THOMAS DANIEL SCHMIDT BROKER | Insurance agents and brokers Service code 22 | 21608 PINE CONE DR MACOMB, MI 48042 | $0 |
| WADYE GALLANT BROKER | Insurance agents and brokers Service code 22 | 18151 RAMSGATE LATHRUP VILLAGE, MI 48076 | $0 |
| WF HILL AND ASSOCIATES INC BROKER | Insurance agents and brokers Service code 22 | 600 WEST LAFAYETTE DETROIT, MI 48226 | $0 |
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 | 247 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 275 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 259 | $95K |
| Vision | HERITAGE VISION PLANS INC | 137 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 248 | $73K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 248 | $149K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 248 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
The primary broker changed. The plan may take a second-look pitch.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.