| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | PO BOX 6392 GRAND RAPIDS, MI 49516 | COMPANION LIFE | — | $84K | $84K | 18.00% |
| MARWIL & ASSOCIATES LLC3 | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $17K | — | $17K | 11.06% |
| MARWIL & ASSOCIATES LLC3 | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $16K | 18.96% |
| MARWIL & ASSOCIATES LLC3 | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 19.56% |
| MARWIL & ASSOCIATES LLC | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | EYEMED VISION CARE | $2K | — | $2K | 10.04% |
| ASR HEALTH BENEFITS3 | PO BOX 6392 GRAND RAPIDS, MI 49516 | WESTPORT INSURANCE | — | $22 | $22 | 18.49% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 528 | $157K |
| Vision | EYEMED VISION CARE | 558 | $24K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $122K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $122K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $122K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE | 248 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.