| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | — | PAN AMERICAN | $35K | — | $35K | 5.00% |
| NAPCO INC3 Filed as: NAPCO, INC. | 30301 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $240 | — | $240 | 0.29% |
| NAPCO INC3 Filed as: NAPCO, INC. | 30301 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $585 | $3K | 10.32% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $499 | — | $499 | 1.89% |
| NAPCO INC3 | 30301 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $701 | $3K | 11.21% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC | 901 WILSHIRE DRIVE SUITE 300 TROY, ME 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $411 | — | $411 | 1.71% |
| NAPCO INC3 | 30301 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $550 | $3K | 10.48% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $434 | — | $434 | 1.81% |
| NAPCO INC3 | 30301 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $509 | $3K | 14.39% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $649 | — | $649 | 2.82% |
| NAPCO INC3 Filed as: NAPCO INC. DBA PAPPAS FINANCIAL | 30301 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | EYEMED VISION CARE | $2K | — | $2K | 8.79% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | EYEMED VISION CARE | $159 | — | $159 | 0.88% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $83K |
| Vision | EYEMED VISION CARE | 244 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $23K |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN | 151 | $707K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.