| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NZ BRYANT3 | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | PRIORITY HEALTH INSURANCE COMPANY | $24K | — | $24K | 4.01% |
| NZ BRYANT3 | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | PRIORITY HEALTH | $12K | — | $12K | 4.01% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT GROUP INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | PRINCIPAL LIFE INSURANCE COMPANY | $35K | — | $35K | 16.24% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | HERTIAGE VISION PLANS INC | $557 | — | $557 | 4.41% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | AFLAC | $1K | — | $1K | 14.49% |
| AJ BENEFITS INC3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | AFLAC | $881 | — | $881 | 10.33% |
| KIMBERLEY M MCNULTY3 | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $175 | — | $175 | 2.05% |
| EDWARD O WALTER III3 | PO BOX 1377 NOVI, MI 48376 | AFLAC | $53 | — | $53 | 0.62% |
| KERRY L DAVIDSON3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | AFLAC | $23 | $26 | $49 | 0.57% |
| HILARY R EBNER3 | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $42 | — | $42 | 0.49% |
| GABRIEL G TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $19 | $12 | $31 | 0.36% |
| WILLIAM LEY3 Filed as: WILLIAM F WALSH | 25300 W 13 MILE RD FRANKLIN, MI 48025 | AFLAC | $10 | $12 | $22 | 0.26% |
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 | 132 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 112 | $890K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $216K |
| Vision | HERTIAGE VISION PLANS INC | 104 | $13K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $216K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $216K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $216K |
| Other | AFLAC | 29 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.