| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | 618 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MI 49546 | ASR | $264K | $34K | $298K | 113.00% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 5.23% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.50% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD | $4K | $986 | $5K | 12.50% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $437 | $2K | 12.49% |
| MACQUEEN & ASSOCIATES LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | HERITAGE VISION PLANS INC | $2K | $0 | $2K | 10.50% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | DELTA DENTAL OF MICHIGAN | $542 | $0 | $542 | 5.74% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $683 | $170 | $853 | 12.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 THIRD PARTY ADMINISTRATIO | Contract Administrator Service code 13 | 618 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MI 49546 | $124K |
| EMPLOYEE HEALTH INSURANCE MANAGEMEN EIN 38-2776173 PHARMACY MANAGEMENT | Contract Administrator Service code 13 | 26711 NORTHWESTERN HIGHWAY SUITE 500 SOUTHFIELD, MI 48033 | $11K |
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. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ASR | 0 | $264K |
| Dental | DELTA DENTAL OF MICHIGAN | 222 | $94K |
| Vision | HERITAGE VISION PLANS INC | 0 | $16K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 230 | $77K |
| Short-term disability | RELIANCE STANDARD | 230 | $39K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 230 | $18K |
| Stop-loss / reinsurancereinsurance | ASR | 0 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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 prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.