| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $6K | $3K | $9K | 15.52% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $871 | $871 | 1.51% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $3K | $3K | 6.80% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $3K | $3K | 7.32% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $813 | $813 | 1.81% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $5K | $3K | $8K | 17.47% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $589 | $589 | 1.42% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $5K | $2K | $7K | 16.98% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $5K | $2K | $7K | 17.04% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $4K | $2K | $6K | 14.87% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $633 | $633 | 1.68% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $2K | $2K | 4.45% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $2K | $2K | 6.49% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $4K | $2K | $6K | 17.45% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $3K | $2K | $5K | 18.48% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $3K | $2K | $5K | 17.62% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $2K | $2K | 8.56% |
| NEW MILLENIUM FINANCE3 Filed as: NEW MILLENIUM | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $2K | $1K | $4K | 17.10% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $2K | $1K | $3K | 18.21% |
| NEW MILLENIUM FINANCE3 Filed as: NEW MILLENIUM | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $1K | $877 | $2K | 18.29% |
| NEW MILLENIUM FINANCE3 Filed as: NEW MILLENIUM | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $1K | $923 | $2K | 18.55% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $1K | $616 | $2K | 15.88% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $1K | $760 | $2K | 17.47% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $406 | $406 | 4.98% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $155 | $116 | $271 | 23.06% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $330 | $330 | — |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $0 | $470 | $470 | — |
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 | 2,131 | 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) | 2,131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(26 contracts) | HCC LIFE | 92 | $780K |
| Dental(25 contracts) | HCC LIFE | 79 | $698K |
| Vision(26 contracts) | HCC LIFE | 92 | $780K |
| Prescription drug(24 contracts) | HCC LIFE | 92 | $746K |
| Stop-loss / reinsurancereinsurance(26 contracts) | HCC LIFE | 92 | $780K |
| Other | HCC LIFE | 16 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.