| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | 3033 ORCHARD VISTA DR SE STE 200 GRAND RAPIDS, MI 49546 | SYMETRA | $43K | — | $43K | 19.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH INC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | NATIONAL GUARDIAN LIFE | $4K | — | $4K | 6.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH INC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | NATIONAL GUARDIAN LIFE | $856 | — | $856 | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $997 | $8K | 16.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $238 | $7 | $245 | 4.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 NONE | Contract Administrator Service code 13 | 3033 ORCHARD VISTA DR SE STE 200 GRAND RAPIDS, MI 49546 | $45K |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 23 | $5K |
| Dental | NATIONAL GUARDIAN LIFE | 80 | $65K |
| Vision | NATIONAL GUARDIAN LIFE | 80 | $65K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $48K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $48K |
| Prescription drug | CVS PHARMACY, INC | 0 | $0 |
| Stop-loss / reinsurancereinsurance | SYMETRA | 94 | $224K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.