| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A KING3 Filed as: JOSEPH A. KING | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $15K | $0 | $15K | 2.35% |
| JOSEPH A KING3 Filed as: JOSEPH A. KING | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | PRIORITY HEALTH | $15K | $0 | $15K | 4.01% |
| JOSEPH A KING3 Filed as: JOSEPH A. KING | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 2.95% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 4.75% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $120 | $214 | $334 | 1.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.26% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 WEST BIG BEAVER TROY, MI 48084 | FSL | $1K | $0 | $1K | 10.00% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 66 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 200 | $80K |
| Vision | FSL | 187 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 372 | $78K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 372 | $78K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 66 | $1.3M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 372 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.