| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID N SOKOL3 | 901 WILSHIRE DR STE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 6.48% |
| ERIC A CASSABON3 | 800 WEST ST. STE E LAPEER, MI 48446 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 6.48% |
| MIRABELLA FNCL GRP LLC3 Filed as: MIRABELLA FNCL GP INC | 901 WILSHIRE DR STE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $2K | $217 | $2K | 2.58% |
| DAVID N SOKOL3 Filed as: DAVID NEIL SOKOL | 901 WILSHIRE DR STE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $1K | $373 | $2K | 4.67% |
| ERIC A CASSABON3 Filed as: ERIC ALBERT CASSABON | 800 WEST ST STE E LAPEER, MI 48446 | NORTHWESTERN MUTUAL | $986 | $419 | $1K | 3.54% |
| MIRABELLA FNCL GRP LLC3 | 901 WILSHIRE DR STE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $493 | $59 | $552 | 1.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DAVID NEIL SOKOL INSURANCE AGENT | Insurance brokerage commissions and fees; Other commissions; Other fees; Insurance agents and brokers; Non-monetary compensation Service code 22 | 901 WILSHIRE DR STE 300 TROY, MI 48084 | $7K |
| ERIC ALBERT CASSABON INSURANCE AGENT | Insurance agents and brokers; Other fees; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 22 | 800 WEST ST STE E LAPEER, MI 48446 | $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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 215 | $40K |
| Long-term disability | NORTHWESTERN MUTUAL | 214 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.