| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A KING3 Filed as: JOSEPH A. KING | 1707 W BIG BEAVER ROAD TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $80K | — | $80K | 2.89% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W BIG BEAVER ROAD TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 4.69% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W BIG BEAVER ROAD TROY, MI 48084 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $16K | — | $16K | 8.95% |
| JOSEPH A KING3 Filed as: JOSEPH A. KING | 1707 W BIG BEAVER ROAD TROY, MI 48084 | VSP | $1K | — | $1K | 5.54% |
| AHMANN MARTIN3 Filed as: AHMANN & MARTIN CO. | 7555 MARKET PLACE DRIVE EDEN PRAIRIE, MN 55344 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | -$158 | — | -$158 | -6.72% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 408 | $2.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 444 | $188K |
| Vision | VSP | 164 | $20K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 171 | $184K |
| Short-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 171 | $187K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 171 | $184K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 408 | $2.8M |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 171 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.