| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 10.34% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 16142 COLLECTION CTR DR CHICAGO, IL 60693 | UNUM INSURANCE COMPANY | $4K | $15 | $4K | 6.45% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 | 550 FOREST AVE SUITE 15-2 PLYMOUTH, MI 48170 | UNUM INSURANCE COMPANY | $4K | — | $4K | 6.43% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 16142 COLLECTION CTR DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 9.27% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGEN | 5500 FOREST AVE SUITE 15-2 PLYMOUTH, MI 48170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.79% |
| THORNHILL, LLC3 | 4899 HARNESS COURT PARKER, CO 80134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 0.40% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 0.21% |
| STEVEN M SMITH3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 30.57% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 480346112 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $7K | $7K | 17.65% |
| THORNHILL, LLC3 | 4899 HARNESS COURT PARKER, CO 30134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 2.82% |
| MEADOWBROOK INC3 | 16142 COLLECTION CTR DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 1.88% |
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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 591 | $38K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 466 | $199K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 466 | $150K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 466 | $150K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 466 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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.