| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | AETNA LIFE INSURANCE COMPANY | $60K | $0 | $60K | 3.12% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | DELTA DENTAL OF MICHIGAN | $18K | $0 | $18K | 10.04% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NYL) | $6K | $0 | $6K | 15.00% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NYL) | $4K | — | $4K | 10.00% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NYL) | $4K | $0 | $4K | 15.00% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 483142022 | VSP-VISION SERVICE PLAN | $1K | $0 | $1K | 5.61% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NYL) | $906 | $0 | $906 | 15.00% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 272 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 309 | $183K |
| Vision | VSP-VISION SERVICE PLAN | 117 | $19K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA (NYL) | 135 | $80K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA (NYL) | 135 | $28K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA (NYL) | 135 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.