| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURIE A SALL3 | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $52K | $0 | $52K | 2.31% |
| CORNERSTONE BENEFIT PLANS INC3 | 525 E. BIG BEAVER ROAD, SUITE 250 TROY, MI 48083 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $44K | $0 | $44K | 1.99% |
| CORNERSTONE BENEFIT PLANS INC3 | 2701 TROY CENTER DR STE 410 TROY, MI 48084 | UNITED OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.11% |
| LAURIE A SALL3 Filed as: LAURIE ANN SALL | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | UNITED OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.11% |
| CORNERSTONE BENEFIT PLANS INC3 | 525 E. BIG BEAVER ROAD, SUITE 250 TROY, MI 48083 | HEALTH ALLIANCE PLAN | $2K | $0 | $2K | 2.34% |
| LAURIE A SALL3 | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | HEALTH ALLIANCE PLAN | $2K | $0 | $2K | 2.34% |
| CORNERSTONE BENEFIT PLANS INC3 | 525 E. BIG BEAVER ROAD, SUITE 250 TROY, MI 48083 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $912 | $0 | $912 | 5.37% |
| LAURIE A SALL3 Filed as: LAURIE A SALL & ASSOCIATES | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $628 | $0 | $628 | 3.70% |
| LAURIE A SALL3 Filed as: LAURIE A SALL & ASSOCIATES | 32000 NORTHWESTERN HWY #200 FARMINGTON HILLS, MI 483341569 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $214 | $0 | $214 | 1.26% |
| CORNERSTONE BENEFIT PLANS INC3 | 2701 TROY CENTER DR. TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $145 | $0 | $145 | 0.85% |
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 | 358 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 471 | $2.3M |
| Dental | UNITED OMAHA LIFE INSURANCE COMPANY | 362 | $389K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 576 | $17K |
| Life insurance | UNITED OMAHA LIFE INSURANCE COMPANY | 362 | $389K |
| Short-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 362 | $389K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 362 | $389K |
| Prescription drug | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 471 | $2.2M |
| Other | UNITED OMAHA LIFE INSURANCE COMPANY | 362 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.