| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48314 | HEALTH ALLIANCE PLAN | $48K | — | $48K | 1.80% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 P.O. BOX 541 ANN ARBOR, MI 48106 | HEALTH ALLIANCE PLAN | $173 | — | $173 | 0.01% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP, INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48314 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 1.44% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 Filed as: HEALTH ALLIANCE ADMINISTRATORS, INC | 39500 HIGH POINTE BOULEVARD SUITE 400 NOVI, MI 48375 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $589 | — | $589 | 0.13% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP, INC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 3.26% |
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 | 689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 655 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 668 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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."
No prospect flags tripped on this filing.