| 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 | 1.32% |
| LAURIE A SALL3 | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 1.32% |
| CORNERSTONE BENEFIT PLANS INC3 | 525 E. BIG BEAVER ROAD, SUITE 250 TROY, MI 48083 | UNITED OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 5.98% |
| LAURIE A SALL3 Filed as: LAURIE SALL & ASSOCIATES | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | UNITED OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.85% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 5.53% |
| CORNERSTONE BENEFIT PLANS INC3 | 525 E. BIG BEAVER ROAD, SUITE 250 TROY, MI 48083 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.57% |
| LAURIE A SALL3 | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.57% |
| LAURIE A SALL3 Filed as: LAURIE A SALL & ASSOCIATES | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $0 | $820 | $820 | 5.81% |
| CORNERSTONE BENEFIT PLANS INC3 | 525 E. BIG BEAVER ROAD, SUITE 250 TROY, MI 48083 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $704 | $0 | $704 | 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 | 296 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 419 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 484 | $139K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 470 | $14K |
| Life insurance | UNITED OMAHA LIFE INSURANCE COMPANY | 268 | $174K |
| Short-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 268 | $174K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 268 | $174K |
| Prescription drug | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 419 | $1.6M |
| Other | UNITED OMAHA LIFE INSURANCE COMPANY | 268 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.