| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | TOTAL HEALTH CARE USA, INC. | $44K | $0 | $44K | 3.18% |
| MATTHEW J MCDONALD3 | P.O. BOX 98 WALLED LAKE, MI 48390 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 5.25% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | TOTAL HEALTH CARE USA, INC. | $2K | $0 | $2K | 2.78% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | TOTAL HEALTH CARE USA, INC. | $239 | $0 | $239 | 0.75% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MATTHEW J MCDONALD3 Filed as: MATTHEW MCDONALD | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | DENCAP DENTAL PLANS | $377 | $0 | $377 | 9.99% |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | TOTAL HEALTH CARE USA, INC. | 500 | $1.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 342 | $145K |
| Vision(3 contracts) | TOTAL HEALTH CARE USA, INC. | 500 | $1.5M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55 | $26K |
| Prescription drug(3 contracts) | TOTAL HEALTH CARE USA, INC. | 500 | $1.5M |
| Other(4 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 500 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.