| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NZ BRYANT3 | 30600 TELEGRAPH ROAD SUITE 1160 BINGHAM FARMS, MI 48025 | PRIORITY HEALTH INSURANCE COMPANY | $15K | — | $15K | 4.00% |
| NZ BRYANT3 | 30600 TELEGRAPH ROAD SUITE 1160 BINGHAM FARMS, MI 48025 | PRIORITY HEALTH | $6K | — | $6K | 4.14% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON BRYANT GROUP, INC. | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 6.00% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT ASSOC INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.95% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT ASSOC INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.76% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT ASSOC INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT ASSOC INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT, INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48250 | HERITAGE VISION PLANS INC | $276 | — | $276 | 3.70% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | AFLAC | $615 | — | $615 | 13.92% |
| AJ BENEFITS INC3 | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $463 | — | $463 | 10.48% |
| GABRIEL TORREZ3 | 30800 TELEGRAPH ROAD SUITE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $54 | — | $54 | 1.22% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 91 | $522K |
| Dental | DELTA DENTAL OF MICHIGAN | 146 | $62K |
| Vision | HERITAGE VISION PLANS INC | 81 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $26K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.