| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN HARDIN3 Filed as: STEVEN J HARDIN | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | — | $26K | 1.82% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $10K | $10K | 0.67% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MA 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $111K | — | $111K | 15.78% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $36K | $36K | 5.11% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $23K | $23K | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $17K | $17K | 2.35% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $34K | — | $34K | 6.08% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.29% |
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 | 818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,415 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,398 | $558K |
| Vision | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 1,243 | $72K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 818 | $706K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 818 | $706K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 818 | $706K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,415 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 818 | $706K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,415 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.