| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | PO BOX 6392 GRAND RAPIDS, MI 49516 | COMPANION LIFE | — | $79K | $79K | 18.00% |
| MARWIL & ASSOCIATES LLC3 Filed as: MARWIL AND ASSOCIATES, LLC | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $16K | — | $16K | 10.96% |
| MARWIL & ASSOCIATES LLC3 Filed as: MARWIL AND ASSOCIATES, LLC | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| BRUCE R MARWIL3 | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| MARWIL & ASSOCIATES LLC3 Filed as: MARWIL AND ASSOCIATES, LLC | 32816 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $400 | $4K | 16.67% |
| MARWIL & ASSOCIATES LLC3 Filed as: MARWIL AND ASSOCIATES, LLC | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | EYEMED VISION CARE | $2K | — | $2K | 10.09% |
| MARWIL & ASSOCIATES LLC3 Filed as: MARWIL AND ASSOCIATES, LLC | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $400 | $2K | 19.04% |
| MARWIL & ASSOCIATES LLC3 Filed as: MARWIL AND ASSOCIATES, LLC | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $780 | $400 | $1K | 22.67% |
| MARWIL & ASSOCIATES LLC3 Filed as: MARWIL AND ASSOCIATES, LLC | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $535 | $400 | $935 | 26.18% |
| MARWIL & ASSOCIATES LLC3 Filed as: MARWIL AND ASSOCIATES, LLC | 32813 MIDDLEBELT ROAD SUITE B FARMINGTON HILLS, MI 48334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $522 | $400 | $922 | 26.46% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 482 | $147K |
| Vision | EYEMED VISION CARE | 499 | $23K |
| Life insurance(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $99K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $107K |
| Long-term disability(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $91K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 208 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.