| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | PO BOX 527 ADA, MI 49301 | DELTA DENTAL OF MICHIGAN | $94K | — | $94K | 4.93% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT, INC. | P.O. BOX 527 ADA, MI 493010527 | VISION SERVICE PLAN | $41K | — | $41K | 5.00% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP | 2801 COHO ST STE #200 MADISON, WI 537134531 | UNITY HEALTH PLANS INSURANCE CORPORATION | $12K | — | $12K | 2.65% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 8120 CHESTNUT CREST DR ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76K | — | $76K | 20.00% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 8120 CHESTNUT CREST DR ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 8120 CHESTNUT CREST DR ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | — | $66K | 26.43% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT, INC. | 8120 CHESTNUT CREST DR ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $88K | — | $88K | 35.33% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 8120 CHESTNUT CREST DR ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 20.00% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT, INC. | 455 PETTIS AVE SE ADA, MI 49301 | HYATT LEGAL PLANS | $4K | — | $4K | 10.09% |
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 | 4,333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 8,046 | $1.9M |
| Vision | VISION SERVICE PLAN | 4,220 | $814K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,537 | $561K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,537 | $811K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,399 | $276K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 78 | $460K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,073 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,537 | — |
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.