| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET SUITE 350 ROYAL OAK, MI 48067 | PRIORITY HEALTH | — | $58K | $58K | 3.75% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET SUITE 350 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $5K | $8K | $13K | 12.25% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET SUITE 350 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $10K | $17K | 25.36% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET SUITE 350 ROYAL OAK, MI 48067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 25.07% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET SUITE 350 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.50% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET SUITE 350 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.25% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET SUITE 350 ROYAL OAK, MI 48067 | HERITAGE VISION PLANS INC | $2K | — | $2K | 10.24% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET SUITE 350 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $794 | $1K | $2K | 12.64% |
| MACQUEEN INSURANCE GROUP3 | 415 S. WEST STREET SUITE 350 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $852 | $489 | $1K | 15.73% |
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 | 0 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 299 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 247 | $126K |
| Vision | HERITAGE VISION PLANS INC | 278 | $19K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 290 | $77K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 290 | $41K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 290 | $20K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 290 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.