| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK W SMITH3 Filed as: MARK SMITH | 6440 E FULTON STE 200 ADA, MI 49301 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 4.40% |
| MARK W SMITH3 Filed as: MARK SMITH | 6440 E FULTON STE 200 ADA, MI 49301 | PRIORITY HEALTH | $37K | — | $37K | 4.93% |
| MW SMITH & ASSOCIATES, LLC3 Filed as: MW SMITH & ASSOCIATES, INC | 6440 E FULTON STE 200 ADA, MI 49301 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 6.33% |
| MW SMITH & ASSOCIATES, LLC3 Filed as: MW SMITH & ASSOCIATES, INC | 6440 E FULTON STE 200 ADA, MI 49301 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 14.63% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 208 | $71K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 164 | $46K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 164 | $46K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 164 | $46K |
| Prescription drug | PRIORITY HEALTH | 204 | $743K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 164 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
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.