| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAWAS BAY INSURANCE AGENCY, LLC3 Filed as: TAWAS BAY INSURANCE AGENCY | PO BOX 432 EAST TAWAS, MI 48730 | NATIONWIDE LIFE INSURANCE COMPANY | $7K | — | $7K | 13.45% |
| TAWAS BAY INSURANCE AGENCY, LLC3 Filed as: TAWAS BAY INSURANCE AGENCY | PO BOX 432 EAST TAWAS, MI 48730 | VISION SERVICE PLAN | $1K | — | $1K | 4.43% |
| TAWAS BAY INSURANCE3 Filed as: TAWAS BAY AGENCY INC | 817 WEST HOUGHTON AVE WEST BRANCH, MI 48661 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 1.47% |
| TITAN BENEFIT COMMUNICATIONS LLC3 | 504 EAST 4TH ST ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $187 | — | $187 | 1.21% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 213 | $24K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 241 | $49K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 38 | $15K |
| Long-term disability | NATIONWIDE LIFE INSURANCE COMPANY | 241 | $49K |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 241 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.