| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND CHOI3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | AMERITAS LIFE INSURANCE GROUP | $3K | — | $3K | 20.05% |
| M.A.A.C. SERVICES INC3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | AMERITAS LIFE INSURANCE GROUP | $1K | — | $1K | 6.68% |
| RICHARD H PHILLIPS3 Filed as: RICHARD B. DUFFIELD | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $277 | $589 | $866 | 7.82% |
| RAYMOND CHOI3 Filed as: RAYMOND M. CHOI | 2499 BARNSBURY ROAD EAST LANSING, MI 48823 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $831 | — | $831 | 7.50% |
| RAYMOND CHOI4 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | AMERITAS LIFE INSURANCE GROUP | $1K | — | $1K | 19.60% |
| M.A.A.C. SERVICES INC3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | AMERITAS LIFE INSURANCE GROUP | $408 | — | $408 | 6.54% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE GROUP | 239 | $17K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 207 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $11K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.