| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | HM LIFE INSURANCE COMPANY | $54K | — | $54K | 10.00% |
| BAS3 Filed as: BAS HEALTH | 1745 JOVANNA DRIVE HOMEWOOD, IL 60430 | HM LIFE INSURANCE COMPANY | $5K | — | $5K | 1.00% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | DELTA DENTAL | $6K | — | $6K | 2.00% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $6K | $21K | 14.17% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $5K | $16K | 14.37% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 10.81% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 14.19% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 14.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BAS HEALTH EIN 36-4197088 TPA | Claims processing; Recordkeeping fees; Plan Administrator Service code 12 | 1745 JOVANNA DRIVE HOMEWOOD, IL 60430 | $166K |
| CIGNA PPO | Other insurance fees and expenses Service code 73 | — | $146K |
| TIMBERLAND GROUP SERVICES NONE | Insurance agents and brokers Service code 22 | 1707 W. BIG BEAVER ROAD TROY, MI 48084 | $69K |
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 | 764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,365 | $321K |
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,261 | $76K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 764 | $72K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 772 | $218K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 763 | $73K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 708 | $541K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 285 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,365 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.