| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING LLC | 30600 TELEGRAPH ROAD SUITE 1225 BINGHAM FARMS, MI 48025 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $67K | $74K | 3.13% |
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING | 30600 TELEGRAPH ROAD SUITE 1225 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.17% |
| ALTRUIS BENEFIT CONSULTING INC3 | 30600 TELEGRAPH ROAD SUITE 1225 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 23.64% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.23% |
| ALTRUIS BENEFIT CONSULTING INC3 | 30600 TELEGRAPH ROAD SUITE 1225 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.60% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $2.4M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 951 | $98K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 951 | $36K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 951 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.