| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NZ BRYANT3 | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | PRIORITY HEALTH INSURANCE COMPANY | $43K | — | $43K | 4.00% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT GROUP INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | PRINCIPAL LIFE INSURANCE COMPANY | $52K | — | $52K | 17.23% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT GROUP INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | AFLAC | $2K | — | $2K | 13.45% |
| AJ BENEFITS INC3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | AFLAC | $2K | $101 | $2K | 10.46% |
| KIMBERLEY M MCNULTY3 | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $265 | $24 | $289 | 1.64% |
| HILARY R EBNER3 | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $240 | $5 | $245 | 1.39% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $57 | — | $57 | 0.32% |
| SCOTT W DAVIDSON3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | AFLAC | $51 | — | $51 | 0.29% |
| EDWARD O WALTER III3 | PO BOX 1377 NOVI, MI 48376 | AFLAC | $18 | $19 | $37 | 0.21% |
| GABRIEL G TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $17 | — | $17 | 0.10% |
| KERRY L DAVIDSON3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | AFLAC | $17 | — | $17 | 0.10% |
| WILLIAM LEY3 Filed as: WILLIAM F WALSH | 25300 W 13 MILE RD FRANKLIN, MI 48025 | AFLAC | $3 | — | $3 | 0.02% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | HERTIAGE VISION PLANS INC | $966 | — | $966 | — |
| NZ BRYANT3 | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | PRIORITY HEALTH | $15K | — | $15K | — |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 175 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 374 | $304K |
| Vision | HERTIAGE VISION PLANS INC | 153 | $0 |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 374 | $304K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 374 | $304K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 374 | $304K |
| Other | AFLAC | 69 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.