| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | UNITED STATES FIRE INSURANCE | $54K | — | $54K | 10.00% |
| BAS3 Filed as: BAS, LLC | 1745 JOVANNA DRIVE HOMEWOOD, IL 60430 | UNITED STATES FIRE INSURANCE | $5K | — | $5K | 1.00% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | DELTA DENTAL | $6K | — | $6K | 2.11% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 13.49% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 19.45% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 47.43% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 20.33% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 12.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BAS HEALTH EIN 36-4197088 RX ADMINISTRATOR | Recordkeeping fees; Plan Administrator; Claims processing Service code 12 | 1745 JOVANNA DRIVE HOMEWOOD, IL 60430 | $166K |
| CIGNA PPO | Other insurance fees and expenses Service code 73 | — | $135K |
| TIMBERLAND GROUP SERVICES TPA | 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 | 819 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,323 | $304K |
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,262 | $80K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $273K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $273K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $273K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE | 686 | $538K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,323 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.