| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.S. CLARK AGENCY, INC.3 Filed as: J. S. CLARK AGENCY, INC. | 25900 W. 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | $60K | $109K | 9.11% |
| SMITH, THOMAS, CHRISTOPHER4 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $949 | — | $949 | 0.28% |
| J.S. CLARK AGENCY, INC.3 Filed as: J. S. CLARK AGENCY, INC. | 25900 W. 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.00% |
| J.S. CLARK AGENCY, INC.3 Filed as: J. S. CLARK AGENCY, INC. | 25900 W. 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 48034 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $14K | — | $14K | 9.98% |
| NATIONAL EMPLOYEE BENEFIT COMPANIES3 | 8500 FREEPORT PKWY S, STE 450 IRVING, TX 75063 | TRANSAMERICA | — | $1K | $1K | 12.51% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY | 25900 W ELEVEN MILE ROAD, STE 210 SOUTHFIELD, MI 48034 | TRANSAMERICA | $1K | — | $1K | 10.70% |
| WEB TPA3 Filed as: WEB TPA EMPLOYER SERVICES LLC | 8500 FREEPORT PKWY S, STE 400 IRVING, TX 75063 | TRANSAMERICA | — | $852 | $852 | 8.91% |
| MITCH BESVINICK3 Filed as: MITCH BESVINIK/ INNOBENEFITS | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | TRANSAMERICA | — | $257 | $257 | 2.69% |
| NEW BENEFITS, LTC3 | 14240 PROTON ROAD DALLAS, TX 75244 | TRANSAMERICA | — | $87 | $87 | 0.91% |
| J.S. CLARK AGENCY, INC.3 Filed as: J. S. CLARK AGENCY, INC. | 25900 W. 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 48034 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 15.03% |
| J.S. CLARK AGENCY, INC.3 Filed as: J S CLARK AGENCY | 25900 WEST ELEVEN MILE RD STE 210 SOUTHFIELD, MI 48034 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $23 | — | $23 | 5.64% |
| J.S. CLARK AGENCY, INC.5 Filed as: J.S. CLARK AGENCY, INC | 25900 W 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | $104K | $138K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 CONTRACT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $45K |
| RX BENEFITS EIN 63-1157085 CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $20K |
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 | 1,664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 2,191 | $141K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,664 | $1.2M |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,664 | $1.5M |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,664 | $1.5M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,755 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,575 | — |
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.