| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC. | 42400 GARFIELD RD SUITE A CLINTON TOWNSHIP, MI 48038 | MCLAREN HEALTH PLAN | $34K | — | $34K | 3.75% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $962 | $19K | 5.47% |
| GMAC RISK SERVICES INC. Filed as: GMAC RISK SERVICES INC | PO BOX 77252 DETROIT, MI 482770252 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | — | -$2K | -0.59% |
| MICHIGAN PLANNERS, INC. | 42400 GARFIELD RD SUITE A CLINTON TOWNSHIP, MI 48038 | NATIONWIDE INSURANCE | $13K | — | $13K | 9.84% |
| CHELTON BENEFITS GROUP AGENCY, INC. | 4768 PARVIEW DR. CLARKSTON, MI 48346 | NATIONWIDE INSURANCE | $10K | — | $10K | 7.87% |
| GILSBAR, LLC | PO BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | — | $9K | $9K | 6.89% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | COMPANION LIFE INSURANCE COMPANY | $7K | $5K | $11K | 8.68% |
| RESOLUTION REINSURANCE Filed as: RESOLUTION REINSURANCE INTERMEDIARI | 4408 FOREST DRIVE, SUITE 202 COLUMBIA, SC 29206 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 93.31% |
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 | 368 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCLAREN HEALTH PLAN | 381 | $918K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 972 | $341K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 972 | $341K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 174 | $134K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 972 | $341K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 972 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 972 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.