| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID N SOKOL3 | 901 WILSHIRE DR STE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $3K | $800 | $4K | 6.33% |
| ERIC A CASSABON3 | 800 WEST ST. STE E LAPEER, MI 48446 | NORTHWESTERN MUTUAL | $3K | $800 | $4K | 6.33% |
| MIRABELLA FNCL GRP LLC3 Filed as: MIRABELLA FNCL GP INC | 901 WILSHIRE DR STE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $766 | $92 | $858 | 1.37% |
| DOMINIC ANTHONY MIRABELLA3 | 901 WILSHIRE DR STE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $645 | $77 | $722 | 1.15% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $347 | $3K | 10.51% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC | 901 WILSHIRE DR STE 330 TROY, MI 48084 | NATIONAL GUARDIAN LIFE INURANCE COMPANY | $2K | — | $2K | 10.00% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNUM LIFE INSURANCE | $2K | $145 | $2K | 17.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSHIRE BENEFITS GROUP, INC INSURANCE BROKER | Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions; Other fees; Insurance agents and brokers Service code 22 | 901 WILSHIRE DR STE 330 TROY, MI 48084 | $7K |
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. |
| 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INURANCE COMPANY | 139 | $20K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $36K |
| Long-term disability | NORTHWESTERN MUTUAL | 210 | $63K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.