| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | 618 KENMOOR AVE SE GRAND RAPIDS, MI 49546 | ARDELLIS | $45K | $0 | $45K | 13.00% |
| MICHAEL PANNUTO3 | 28764 HARPER ST. ST. CLAIR SHORES, MI 48081 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $483 | $37K | 14.09% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P PANNUTO | 45445 MOUND ROAD STE 102 UTICA, MI 48317 | HARTFORD LIFE AND ACCIDENT | $31K | $14K | $46K | 19.46% |
| EHIM5 Filed as: EHIM, INC. | 26711 NORTHWESTERN HWY SUITE 400 SOUTHFIELD, MI 48033 | EMLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $0 | $11K | $11K | — |
| MICHAEL PANNUTO3 | 28764 HARPER ST. CLAIR SHORES, MI 48081 | EMLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $2K | $0 | $2K | — |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $260K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $260K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 275 | $235K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 275 | $235K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 275 | $235K |
| Prescription drug | EMLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 237 | $0 |
| Other | ARDELLIS | 235 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.