| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 10.60% |
| BENEFIT REVIEW SERVICES INC3 Filed as: BENEFIT REVIEW SERVICES INC. | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.29% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $90K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $90K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $90K |
| Stop-loss / reinsurancereinsurance(2 contracts) | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 70 | $198K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.