| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BENEFIT PLANS INC3 | 525 E. BIG BEAVER ROAD, SUITE 250 TROY, MI 48083 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 1.50% |
| LAURIE A SALL3 | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 1.50% |
| CORNERSTONE BENEFIT PLANS INC3 | 525 E. BIG BEAVER ROAD, SUITE 250 TROY, MI 48083 | UNITED OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.86% |
| LAURIE A SALL3 | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | UNITED OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.86% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| CORNERSTONE BENEFIT PLANS INC3 | 525 E. BIG BEAVER ROAD, SUITE 250 TROY, MI 48083 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.40% |
| LAURIE A SALL3 | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.40% |
| CORNERSTONE BENEFIT PLANS INC3 | 525 E. BIG BEAVER ROAD, SUITE 250 TROY, MI 48083 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $684 | $0 | $684 | 4.98% |
| LAURIE A SALL3 Filed as: LAURIE SALL & ASSOCIATES | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | — | $684 | $684 | 4.98% |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 409 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $139K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 460 | $14K |
| Life insurance | UNITED OMAHA LIFE INSURANCE COMPANY | 278 | $174K |
| Short-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 278 | $174K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 278 | $174K |
| Prescription drug | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 409 | $1.5M |
| Other | UNITED OMAHA LIFE INSURANCE COMPANY | 278 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.