| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | HEALTH ALLIANCE PLAN | $70K | — | $70K | 2.92% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 3.03% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.16% |
| NICOLE A MAY3 Filed as: NICOLE A. MAY | 7110 ORCHARD LAKE ROAD, UNIT 3001 WEST BLOOMFIELD, MI 48322 | AFLAC | $2K | $101 | $2K | 4.45% |
| CHRISTINA L. JONES3 | 3480 WALDRON ROAD LAKE ORION, MI 48360 | AFLAC | $2K | $48 | $2K | 4.36% |
| SHAUN M KLUG3 Filed as: SHAUN M. KLUG | 46389 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $989 | $63 | $1K | 2.51% |
| GLYNN S. MCPEAKE3 | 2518 GOLDEN SHORES COURT FENTON, MI 48430 | AFLAC | $946 | $43 | $989 | 2.36% |
| MICHAEL P MCGLYNN DAYTON3 Filed as: MICHAEL MCLYNN DAYTON & OTHERS | 110 TREALOUT DRIVE, SUITE 202 FENTON, MI 48430 | AFLAC | $798 | $38 | $836 | 1.99% |
| RICHARD P SOMMERS3 Filed as: RICHARD P. SOMMERS | 861AUGUSTA DRIVE ROCHESTER, MI 48309 | AFLAC | $181 | $0 | $181 | 0.43% |
| ASSUREDPARTNERS3 | 30999 BIDDLE AVENUE WYANDOTTE, MI 48192 | AFLAC | $11 | $0 | $11 | 0.03% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 452 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 600 | $203K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 455 | $29K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 452 | $3.1M |
| Other | AFLAC | 47 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.