| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLINACE FNCL & INS AGCY LLC3 | 423 W MAIN ST LOWELL, MI 49331 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | — | $36K | 8.04% |
| CHRISTINE DIONNE3 | 423 W MAIN ST LOWELL, MI 49331 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 3.28% |
| CHRISTINE VANROOYEN3 | 423 W MAIN ST LOWELL, MI 49331 | HUMANA INSURANCE COMPANY | $18K | — | $18K | 9.98% |
| CHRISTINE VANROOYEN3 | 423 W MAIN ST LOWELL, MI 49331 | COMPBENEFITS | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 | Claims processing; Contract Administrator Service code 12 | PO BOX 44347 MADISON, WI 53744 | $8K |
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 | 462 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 262 | $187K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 465 | $443K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 465 | $443K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 465 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.