| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET ROYAL OAK, MI 48072 | PRIORITY HEALTH INSURANCE | $64K | — | $64K | 3.75% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.74% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $9K | 13.76% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET ROYAL OAK, MI 48067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 16.65% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.19% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $932 | $3K | 13.80% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $949 | — | $949 | 4.53% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET ROYAL OAK, MI 48072 | HERITAGE VISION PLANS INC | $2K | — | $2K | 9.03% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $919 | $337 | $1K | 13.66% |
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 | 374 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE | 374 | $1.7M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 282 | $141K |
| Vision | HERITAGE VISION PLANS INC | 324 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $65K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $41K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $25K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.