| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4000 TOWN CENTER, SUITE 800 SOUTHFIELD, MI 48075 | DEARBORN LIFE INSURANCE COMPANY | $67K | $0 | $67K | 9.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MICHIGAN | $58K | $0 | $58K | 9.99% |
| USI INSURANCE SERVICES LLC3 | 4000 TOWN CENTER, SUITE 800 SOUTHFIELD, MI 48075 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $12K | $0 | $12K | 13.56% |
| USI INSURANCE SERVICES LLC3 | 4000 TOWN CENTER, SUITE 800 SOUTHFIELD, MI 48075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 38.74% |
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 | 840 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,579 | $582K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,473 | $88K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,127 | $686K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,127 | $686K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,127 | $686K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,127 | $740K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,579 | — |
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.