| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $241 | $5K | 0.78% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.41% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | UNKNOWN OAK PARK, MI 48237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $77 | $0 | $77 | 0.01% |
| LIFETIME FINANCIAL GROWTH3 | UNKNOWN OAK PARK, MI 48237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 0.00% |
| JOSEPH J HANEY3 Filed as: JOSEPH J. HANEY | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRIORITY HEALTH | $23K | $0 | $23K | 4.48% |
| JOSEPH J HANEY3 Filed as: JOSEPH J. HANEY | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRIORITY HEALTH INSURANCE COMPANY | $10K | $0 | $10K | 4.48% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.24% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.98% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 100 | $730K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $646K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $646K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $80K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $80K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $80K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 100 | $730K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.