| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NZ BRYANT3 | 30600 TELEGRAPH ROAD SUITE 1160 BINGHAM FARMS, MI 48025 | PRIORITY HEALTH INSURANCE COMPANY | $19K | — | $19K | 4.36% |
| NZ BRYANT3 | 30600 TELEGRAPH ROAD SUITE 1160 BINGHAM FARMS, MI 48025 | PRIORITY HEALTH | $9K | — | $9K | 4.39% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON BRYANT GROUP, INC. | 30600 TELEGRAPH SUITE 2250 BINGHAM FARMS, MI 48025 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.75% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON & BRYANT ASSOCIATES, INC. | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 1.54% |
| 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 | $603 | $4K | 11.10% |
| 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 | $512 | $4K | 13.54% |
| 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 | $449 | $4K | 17.20% |
| 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 | $314 | $2K | 11.69% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON BRYANT INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48250 | HERITAGE VISION PLANS INC | $420 | — | $420 | 4.91% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | AFLAC | $588 | — | $588 | 8.89% |
| AJ BENEFITS INC3 | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $230 | $122 | $352 | 5.32% |
| KERRY L DAVIDSON3 | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $105 | — | $105 | 1.59% |
| RACHAEL BANKS3 | 11346 LEVERNE REDFORD, MI 48239 | AFLAC | $86 | — | $86 | 1.30% |
| GABRIEL TORREZ3 | 30800 TELEGRAPH ROAD SUITE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $56 | $24 | $80 | 1.21% |
| WILLIAM LEY3 Filed as: WILLIAM F WALSH | 25300 WEST 13 MILE ROAD FRANKLIN, MI 48025 | AFLAC | $65 | — | $65 | 0.98% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 80 | $634K |
| Dental | DELTA DENTAL OF MICHIGAN | 156 | $71K |
| Vision | HERITAGE VISION PLANS INC | 87 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $29K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.