| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC. | 42400 GARFIELD RD SUITE A CLINTON TOWNSHIP, MI 48038 | MCLAREN HEALTH PLAN COMMUNITY | $41K | — | $41K | 4.18% |
| MICHIGAN PLANNERS, INC. | 42400 GARFIELD RD SUITE A CLINTON TOWNSHIP, MI 48038 | NATIONWIDE INSURANCE | $25K | — | $25K | 9.84% |
| CHELTEN BENEFITS GROUP Filed as: CHELTEN BENEFITS GROUP AGENCY, INC. | 4768 PARVIEW DR. CLARKSTON, MI 48346 | NATIONWIDE INSURANCE | $20K | — | $20K | 7.87% |
| GILSBAR, LLC | PO BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | — | $18K | $18K | 6.89% |
| MICHIGAN PLANNERS, INC. | 59259 VAN DYKE WASHINGTON, MI 48094 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 6.80% |
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 | 408 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCLAREN HEALTH PLAN COMMUNITY | 343 | $981K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 933 | $177K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 933 | $177K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 933 | $177K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 933 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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.