| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW J MCDONALD3 Filed as: MATTHEW MCDONALD | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | PRIORITY HEALTH INSURANCE COMPANY | $77K | — | $77K | 3.00% |
| MATTHEW J MCDONALD3 | PO BOX 98 WALLED LAKE, MI 48390 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 4.99% |
| MCDONALD FINANCIAL3 Filed as: MCDONALD FINANCIAL INC | PO BOX 98 WALLED LAKE, MI 48390 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 1.02% |
| MCDONALD FINANCIAL3 | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED HEALTH INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MCDONALD FINANCIAL3 | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED HEALTH INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| MCDONALD FINANCIAL3 | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED HEALTH INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MCDONALD FINANCIAL3 | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED HEALTH INSURANCE COMPANY | — | $16K | $16K | 309.64% |
| MATTHEW J MCDONALD3 Filed as: MATTHEW MCDONALD | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | PRIORITY HEALTH INSURANCE COMPANY | $143 | — | $143 | 4.15% |
| MATT MCDONALD3 | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | DENCAP | $104 | — | $104 | 8.97% |
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 | 419 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 465 | $2.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 408 | $161K |
| Vision | PRIORITY HEALTH INSURANCE COMPANY | 465 | $3K |
| Life insurance(2 contracts) | AMERICAN UNITED HEALTH INSURANCE COMPANY | 461 | $40K |
| Short-term disability | AMERICAN UNITED HEALTH INSURANCE COMPANY | 72 | $40K |
| Long-term disability | AMERICAN UNITED HEALTH INSURANCE COMPANY | 97 | $30K |
| Prescription drug | PRIORITY HEALTH INSURANCE COMPANY | 465 | $2.6M |
| Other(3 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 465 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.