| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | 618 KENMOOR AVE SE GRAND RAPIDS, MI 49546 | ARDELLIS | $52K | $0 | $52K | 13.15% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P PANNUTO | 45445 MOUND ROAD STE 102 UTICA, MI 48317 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 11.34% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P PANNUTO | 45445 MOUND ROAD, SUITE 102 UTICA, MI 48317 | STARMOUNT LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| MICHAEL PANNUTO3 | 45445 MOUND ROAD, STE 102 UTICA, MI 48317 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.64% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P PANNUTO | 45445 MOUND ROAD STE 102 UTICA, MI 48317 | HARTFORD LIFE AND ACCIDENT | $708 | $0 | $708 | 7.50% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P PANNUTO | 34656 GIANNETTI DR STERLING HEIGHTS, MI 48312 | U.S. LEGAL SERVICES, INC | $1K | $0 | $1K | 14.41% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P PANNUTO | 45445 MOUND RD UTICA, MI 48317 | HARTFORD LIFE AND ACCIDENT | $689 | $0 | $689 | 13.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 TPA | Contract Administrator Service code 13 | — | $152K |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 145 | $149K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 145 | $132K |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 171 | $174K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 171 | $169K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 171 | $169K |
| Prescription drug | PROCARE RX | 139 | $329K |
| Stop-loss / reinsurancereinsurance | ARDELLIS | 138 | $394K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 171 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.