| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PM GROUP BENEFIT ADVISORS II, LLC3 | 2601 CAMBRIDGE CT. AUBURN HILLS, MI 48326 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | VISION SERVICE PLAN | $828 | — | $828 | 3.58% |
| PM GROUP BENEFIT ADVISORS II, LLC3 | PO BOX 307 SOUTHFIELD, MI 480370307 | VISION SERVICE PLAN | $475 | — | $475 | 2.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $378 | $76 | $454 | 7.31% |
| PM GROUP BENEFIT ADVISORS II, LLC3 Filed as: PM GROUP BENEFIT ADVISORS II | 27400 NORTHWESTERN HWY, STE 300 SOUTHFIELD, MI 48037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244 | — | $244 | 3.93% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 327 | $122K |
| Vision | VISION SERVICE PLAN | 130 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $6K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.