| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEL BARBA AGENCY3 | 9787 DIXIE HWY ANCHORVILLE, MI 48004 | ALLIANCE HEALTH AND LIFE INSURANCE COMANY | $13K | — | $13K | 5.87% |
| HEALTH ALLIANCE ADMINISTRATORS INC5 | 39500 HIGH POINTE BLVD #400 NOVI, MI 48375 | ALLIANCE HEALTH AND LIFE INSURANCE COMANY | $2K | — | $2K | 1.00% |
| DEL BARBA AGENCY3 | 9787 DIXIE HWY ANCHORVILLE, MI 48004 | HEALTH ALLIANCE PLAN | $5K | — | $5K | 5.17% |
| HEALTH ALLIANCE ADMINISTRATORS INC5 | 39500 HIGH POINTE BLVD #400 NOVI, MI 48375 | HEALTH ALLIANCE PLAN | $972 | — | $972 | 1.00% |
| RICK BERSCHBACH3 | 8449 COLONY DR. CLAY, MI 48001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.02% |
| RICK BERSCHBACH3 | 8449 COLONY DR CLAY, MI 48001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $283 | — | $283 | 0.70% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $40K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $40K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $40K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $40K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.