| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ERWIN3 Filed as: DAVID O. CARLESIMO | 3955 PINNACLE CT, STE 100 AUBURN HILLS, MI 48326 | PRIORITY HEALTH INSURANCE COMPANY | $385K | $0 | $385K | 3.02% |
| DAVID ERWIN3 Filed as: DAVID O. CARLESIMO | 3955 PINNACLE CT, STE 100 AUBURN HILLS, MI 48326 | PRIORITY HEALTH INSURANCE COMPANY | $124K | $0 | $124K | 2.95% |
| DYNAMIC BENEFIT AGENCY3 Filed as: DYNAMIC HR - DYNAMIC BENEFIT AGENCY | 3201 UNIVERSITY DRIVE, SUITE 400 AUBURN HILLS, MI 48326 | AMERICAN HERITAGE LIFE INSUR CO (ALLSTATE) | $131K | $0 | $131K | 41.26% |
| DYNAMIC BENEFIT AGENCY3 | 3201 UNIVERSITY DRIVE, FLOOR 4 AUBURN HILLS, MI 48326 | EQUITABLE FINANCIAL LIFE INSUR CO OF AMER | $29K | $0 | $29K | 12.49% |
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 | 2,002 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH INSURANCE COMPANY | 2,243 | $16.9M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSUR CO (ALLSTATE) | 2,002 | $545K |
| Short-term disability | AMERICAN HERITAGE LIFE INSUR CO (ALLSTATE) | 354 | $317K |
| Long-term disability | AMERICAN HERITAGE LIFE INSUR CO (ALLSTATE) | 354 | $317K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSUR CO (ALLSTATE) | 2,002 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,243 | — |
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.