| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | SYMETRA LIFE INSURANCE COMPANY | $66K | — | $66K | 10.00% |
| BAS3 Filed as: BAS, LLC | 1745 JOVANNA DRIVE HOMEWOOD, IL 60430 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 1.00% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 13.56% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | STARMOUNT LIFE INSURANCE COMPANY | $11K | — | $11K | 3.76% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 17.53% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 13.74% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 20.00% |
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 | 816 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 646 | $280K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 646 | $280K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 816 | $326K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 816 | $326K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 816 | $326K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 855 | $656K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 816 | $602K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 855 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.