| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 4.30% |
| JOSEPH A KING3 Filed as: JOSEPH A. KING | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | PRIORITY HEALTH | $20K | $0 | $20K | 4.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $7K | $16K | 9.17% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 WEST BIG BEAVER ROAD TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.32% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 114 | $995K |
| Dental(3 contracts, 3 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 298 | $1.2M |
| Vision(3 contracts, 3 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 298 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $175K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $175K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $175K |
| Prescription drug(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 114 | $995K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.