| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | SYMETRA | $72K | — | $72K | 19.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD. STERLING HEIGHTS, MI 48310 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 5.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD. STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.77% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND RD. STERLING HEIGHTS, MI 48310 | GUARDIAN | $13K | — | $13K | 11.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 NONE | Contract Administrator Service code 13 | — | $66K |
| TOTAL ADMINISTRATIVE SERVICES CORP EIN 39-1561025 NONE | Contract Administrator Service code 13 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $14K |
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 | 216 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 45 | $307K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 368 | $249K |
| Vision | GUARDIAN | 217 | $116K |
| Life insurance | GUARDIAN | 217 | $116K |
| Long-term disability | GUARDIAN | 217 | $116K |
| Stop-loss / reinsurancereinsurance | SYMETRA | 171 | $380K |
| Other | GUARDIAN | 217 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.