| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC LASCESKI3 | 39572 WOODWARD AVENUE, SUITE 201 BLOOMFIELD HILLS, MI 48304 | PRIORITY HEALTH | $26K | $0 | $26K | 3.14% |
| ROBERT VOGELEI3 | 325 NORTH OLD WOORWARD AVENUE BIRMINGHAM, MI 48009 | PRIORITY HEALTH | $8K | $0 | $8K | 0.90% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.28% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 4.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $952 | $0 | $952 | 1.35% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $663 | $0 | $663 | 6.15% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $21 | $0 | $21 | 0.19% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 155 | $836K |
| Dental | DELTA DENTAL OF MICHIGAN | 164 | $71K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 281 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $89K |
| Prescription drug | PRIORITY HEALTH | 155 | $836K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.