| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDONALD FINANCIAL3 | 126 W WALLED LAKE DR WALLED LAKE, MI 48390 | TOTAL HEALTH CARE USA, INC. | $82K | — | $82K | 4.42% |
| MATTHEW J MCDONALD3 | PO BOX 98 WALLED LAKE, MI 48390 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 4.56% |
| MCDONALD FINANCIAL3 Filed as: MCDONALD FINANCIAL INC | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MCDONALD FINANCIAL3 Filed as: MCDONALD FINANCIAL INC | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MCDONALD FINANCIAL3 Filed as: MCDONALD FINANCIAL INC | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCDONALD FINANCIAL3 Filed as: MCDONALD FINANCIAL INC | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $15K | $15K | 371.95% |
| MATT MCDONALD3 | 126 W WALLED LAKE DRIVE WALLED LAKE, MI 48390 | DENCAP DENTAL PLANS | $240 | — | $240 | 10.00% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOTAL HEALTH CARE USA, INC. | 441 | $1.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 374 | $154K |
| Vision | TOTAL HEALTH CARE USA, INC. | 441 | $1.9M |
| Life insurance(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 327 | $31K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 53 | $26K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 78 | $24K |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 441 | $1.9M |
| Other(3 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 441 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.