| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $42K | — | $42K | 9.75% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $18K | — | $18K | 10.11% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 13.68% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 12.07% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | VISION SERVICE PLAN | $5K | — | $5K | 5.00% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 12.50% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 481039049 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 10.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WILLIAM R BROWN | 2940 BEECH RIDGE DR LANSING, MI 48911 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 23.59% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 284 TWIN PONDS OKEMOS, MI 48865 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.91% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $784 | — | $784 | 5.46% |
| DAVID ROTH3 Filed as: DAVID G ZICK | 30800 TELEGRAPH ROAD, SUITE 3800 BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $555 | — | $555 | 3.87% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE, STE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.50% |
| HEATHER A DOLLIVER3 | 212 W SILVER LAKE ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| STEPHANIE L KESSELRING3 | 5415 MORNING VIEW TERRACE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| JULIE SLAUGHTER3 | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.03% |
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 | 1,417 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 1,060 | $600K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 587 | $124K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,206 | $348K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,206 | $348K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,206 | $348K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,206 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,206 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.