| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH INSURANCE SERVICES3 Filed as: HEALTH INSURANCE ADVISORS | 5955 N. WAYNE ROAD WESTLAND, MI 48185 | TOTAL HEALTH CARE USA, INC. | $58K | — | $58K | 2.80% |
| MARK S. PONDER3 | HEALTH INSURANCE ADVISORS, LLC 15469 MIDDLEBELT ROAD LIVONIA, MI 481543805 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $69K | $77K | 4.35% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE COMPANY | $9K | $5K | $14K | 18.54% |
| JOHN BRODERSEN3 Filed as: JOHN BRODERSON | HEALTH INSURANCE ADVISORS, LLC 2557 SOODSTOCK DR. DETROIT, MI 48203 | NATIONWIDE LIFE INSURANCE COMPANY | $7K | $945 | $8K | 11.02% |
| MARK S. PONDER3 | HEALTH INSURANCE ADVISORS, LLC 15469 MIDDLEBELT ROAD LIVONIA, MI 48154 | DENCAP DENTAL PLANS, INC. | $5K | — | $5K | 10.00% |
| JOHN BRODERSEN3 | HEALTH INSURANCE ADVISORS 2557 WOODSTOCK DR DETROIT, MI 48203 | CHAMPION LIFE | $4K | — | $4K | 10.00% |
| RGI, LLC3 Filed as: RGI, INC. | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46205 | CHAMPION LIFE | $467 | — | $467 | 67.00% |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 710 | $1.8M |
| Dental | DENCAP DENTAL PLANS, INC. | 124 | $52K |
| Vision | TOTAL HEALTH CARE USA, INC. | 517 | $2.1M |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 517 | $2.1M |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 41 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.