| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KANE MOSTYN INSURANCE AGENCY3 | 5777 WEST MAPLE ROAD WEST BLOOMFIELD, MI 48322 | DELTA DENTAL OF MICHIGAN | $100K | $971 | $101K | 11.05% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 1.18% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY INC | 5777 WEST MAPLE ROAD SUITE 185 WEST BLOOMFIELD, MI 48322 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83K | $7K | $90K | 12.97% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $2K | $29K | 4.24% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY, INC. | 5777 WEST MAPLE ROAD SUITE 185 WEST BLOOMFIELD, MI 48322 | VISION SERVICE PLAN | $2K | — | $2K | 1.60% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 410 SOUTH UNION STREET TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $165 | — | $165 | 0.14% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY, INC. | 5777 WEST MAPLE ROAD SUITE 185 WEST BLOOMFIELD, MI 48322 | VISION SERVICE PLAN | $2K | — | $2K | 1.83% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 410 SOUTH UNION STREET TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $148 | — | $148 | 0.14% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY INC | 5777 WEST MAPLE ROAD SUITE 185 WEST BLOOMFIELD, MI 48322 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $608 | $8K | 12.39% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $114 | $2K | 3.74% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY INC | 5777 WEST MAPLE ROAD SUITE 185 WEST BLOOMFIELD, MI 48322 | UNUM INSURANCE COMPANY | $6K | $731 | $7K | 15.27% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY INC | 5777 WEST MAPLE ROAD SUITE 185 WEST BLOOMFIELD, MI 48322 | UNUM INSURANCE COMPANY | $5K | $384 | $5K | 11.09% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | UNUM INSURANCE COMPANY | $2K | $107 | $2K | 5.00% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY INC | 5777 WEST MAPLE ROAD SUITE 185 WEST BLOOMFIELD, MI 48322 | UNUM INSURANCE COMPANY | $3K | $430 | $3K | 15.17% |
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 | 887 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,807 | $917K |
| Vision(2 contracts) | VISION SERVICE PLAN | 499 | $221K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,002 | $756K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,002 | $692K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,002 | $692K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,002 | $866K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,807 | — |
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.