| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH INSURANCE COMPANY | $28K | — | $28K | 5.00% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER, MI 48307 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 6.08% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.02% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA CUSTOM BENEFITS IN | 4204 MARTIN ROAD SUITE A AND B WALLED LAKE, MI 48390 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 16.64% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $780 | — | $780 | 14.16% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $617 | — | $617 | 13.49% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $570 | — | $570 | 35.58% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $152 | — | $152 | 34.62% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | PRIORITY HEALTH INSURANCE COMPANY | 136 | $808K |
| Dental | DELTA DENTAL OF MICHIGAN | 209 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 193 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $27K |
| Other(4 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 166 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.