| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | HEALTH ALLIANCE PLAN | $83K | — | $83K | 2.67% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 2.53% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 2.99% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 5.46% |
| NICOLE MAY3 Filed as: NICOLE A. MAY | 7110 ORCHARD LAKE ROAD, UNIT 3001 WEST BLOOMFIELD, MI 48322 | AFLAC | $1K | $107 | $1K | 4.52% |
| CHRISTINA L JONES3 | 3480 WALDON ROAD LAKE ORION, MI 48360 | AFLAC | $1K | $35 | $1K | 3.33% |
| SHAUN M KLUG3 Filed as: SHAUN M. KLUG | 46389 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $792 | $46 | $838 | 2.62% |
| RICHARD P SOMMERS3 Filed as: RICHARD P. SOMMERS & OTHER AGENTS | 861 AUGUSTA DRIVE ROCHESTER, MI 48309 | AFLAC | $544 | $1 | $545 | 1.70% |
| GLYNN S. MCPEAKE3 | 2518 GOLDEN SHORES COURT FENTON, MI 48430 | AFLAC | $321 | $21 | $342 | 1.07% |
| SYDNEY COTTON3 Filed as: SYDNEY NICOLE COTTON | 1205 MINIATURE COURT ROCHESTER HILLS, MI 48307 | AFLAC | $296 | $14 | $310 | 0.97% |
| MICHAEL P MCGLYNN DAYTON3 Filed as: MICHAEL P. MCGLYNN DAYTON | 110 TREALOUT DRIVE, SUITE 202 FENTON, MI 48430 | AFLAC | $116 | $0 | $116 | 0.36% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 489 | $4.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 681 | $219K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 519 | $34K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 489 | $4.2M |
| Other | AFLAC | 40 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.