| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH KING3 | 1707 W BIG BEAVER ROAD TROY, MI 48084 | PRIORITY HEALTH | $38K | — | $38K | 3.99% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W BIG BEAVER ROAD TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 9.87% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W BIG BEAVER ROAD TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 8.62% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W BIG BEAVER ROAD TROY, MI 48084 | EYEMED | $616 | — | $616 | 6.30% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W BIG BEAVER ROAD TROY, MI 48084 | EYEMED | $266 | — | $266 | 2.72% |
| JOSEPH KING3 | 1707 W BIG BEAVER ROAD TROY, MI 48084 | PRIORITY HEALTH INSURANCE COMPANY | $199 | — | $199 | 3.98% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 193 | $968K |
| Dental | DELTA DENTAL OF MICHIGAN | 206 | $93K |
| Vision | EYEMED | 203 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $61K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $61K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $61K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.