| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W BIG BEAVER RD TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 1.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 1.07% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W BIG BEAVER RD TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $5K | $195 | $5K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.16% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES, INC | 1707 W BIG BEAVER RD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.62% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES, INC | 1707 W BIG BEAVER RD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.84% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: THE TIMBERLAND GROUP SERVICES, INC. | 1707 W BIG BEAVER RD TROY, MI 48084 | EYEMED VISION CARE | $2K | — | $2K | 6.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | EYEMED VISION CARE | $378 | — | $378 | 1.54% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $645 | $5K | 26.75% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 39 | $190K |
| Dental | DELTA DENTAL OF MICHIGAN | 435 | $149K |
| Vision | EYEMED VISION CARE | 431 | $25K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $44K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 16 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $88K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 39 | $190K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.