| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | — | ARDELLIS INSURANCE LIMITED | $18K | — | $18K | 6.88% |
| SHANNON J. ENDERS3 Filed as: SHANNON ENDERS | 5797 HARVEY STREET NORTON SHORES, MI 49444 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 5.64% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.97% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $915 | — | $915 | 10.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $268 | — | $268 | 10.01% |
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 | 377 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 377 | $96K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 327 | $27K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $33K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $44K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $35K |
| Stop-loss / reinsurancereinsurance | ARDELLIS INSURANCE LIMITED | 153 | $262K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.