| 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. | $46K | $0 | $46K | 2.94% |
| MATTHEW J MCDONALD3 | P.O. BOX 98 WALLED LAKE, MI 48390 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 5.00% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | TOTAL HEALTH CARE USA, INC. | $1K | $0 | $1K | 2.18% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | TOTAL HEALTH CARE USA, INC. | $249 | $0 | $249 | 0.75% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED LIFE INSURANCE | $1K | $0 | $1K | 4.92% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED LIFE INSURANCE | $2K | $0 | $2K | 10.00% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED LIFE INSURANCE | $2K | $0 | $2K | 10.00% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED LIFE INSURANCE | $0 | $23K | $23K | 529.76% |
| MATTHEW J MCDONALD3 Filed as: MATTHEW MCDONALD | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | DENCAP DENTAL PLANS | $367 | $0 | $367 | 9.99% |
| MCDONALD FINANCIAL3 | 126 WEST WALLED LAKE DRIVE WALLED LAKE, MI 48390 | TOTAL HEALTH CARE USA, INC | $0 | $0 | $0 | 0.00% |
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 | 374 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | TOTAL HEALTH CARE USA, INC. | 540 | $1.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 407 | $165K |
| Vision(4 contracts) | TOTAL HEALTH CARE USA, INC. | 540 | $1.6M |
| Life insurance(2 contracts) | AMERICAN UNITED LIFE INSURANCE | 374 | $29K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE | 55 | $15K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE | 96 | $20K |
| Prescription drug(4 contracts) | TOTAL HEALTH CARE USA, INC. | 540 | $1.6M |
| Other(5 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 540 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.