| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KANE MOSTYN INSURANCE AGENCY3 | 5777 W MAPLE RD WEST BLOOMFIELD, MI 48322 | DELTA DENTAL OF MICHIGAN | $40K | — | $40K | 12.44% |
| KANE MOSTYN INSURANCE AGENCY3 | 5777 W. MAPLE RD. STE. 185 W. BLOOMFIELD, MI 48322 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $4K | $30K | 17.00% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY, INC. | 5777 W. MAPLE RD. STE. 185 WEST BLOOMFIELD, MI 483222268 | VISION SERVICE PLAN | $2K | — | $2K | 3.68% |
| KANE MOSTYN INSURANCE AGENCY3 | 5777 W. MAPLE RD. STE. 185 W. BLOOMFIELD, MI 48322 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $197 | $2K | 20.05% |
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 | 357 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 581 | $321K |
| Vision | VISION SERVICE PLAN | 279 | $53K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $188K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $178K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $178K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.