| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALTON AGENCY, INC.3 | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 2.87% |
| MT & W ASSOCIATES, INC.3 | 729 WEST ANN ARBOR TRAIL PLYMOUTH, MI 48170 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.21% |
| WALTON AGENCY, INC.3 | PO BOX 3029 JACKSON, MI 49204 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 6.91% |
| PARTNERS ADVANTAGE LLC3 Filed as: PARTNERS ADVANTAGE, LLC. | 729 WEST ANN ARBOR TRAIL PLYMOUTH, MI 48170 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $852 | $852 | 0.95% |
| MT & W ASSOCIATES, INC.3 | 729 WEST ANN ARBOR TRAIL PLYMOUTH, MI 48170 | PRINCIPAL LIFE INSURANCE COMPANY | $185 | $0 | $185 | 0.21% |
| MT & W ASSOCIATES, INC.3 | 729 WEST ANN ARBOR TRAIL PLYMOUTH, MI 48170 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $385 | $0 | $385 | 2.21% |
| PARTNERS ADVANTAGE LLC3 Filed as: PARTNERS ADVANTAGE, LLC. | 729 WEST ANN ARBOR TRAIL #100 PLYMOUTH, MI 48170 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $193 | $0 | $193 | 1.11% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 205 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $90K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 217 | $17K |
| Prescription drug | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 205 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.