| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 480942205 | UNITED HEALTHCARE INSURANCE COMPANY | $45K | $0 | $45K | 3.37% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE AVE WASHINGTON, MI 48094 | DELTA DENTAL OF WISCONSIN | $8K | $0 | $8K | 8.22% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.36% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.53% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.47% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE AVE WASHINGTON, MI 48094 | WYSSTA INSURANCE COMPANY INC. | $1K | $0 | $1K | 8.13% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 371 | $1.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 138 | $92K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 133 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $37K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.