| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREMEL, ANDREW R3 | PO BOX 571 BELMONT, MI 49306 | PRIORITY HEALTH | $33K | — | $33K | 2.48% |
| CHAPMAN, BLAKE3 | 353 N CLARK ST, 11TH FLOOR CHICAGO, IL 60654 | PRIORITY HEALTH | $16K | — | $16K | 1.21% |
| THE GREMEL GROUP3 Filed as: GREMEL GROUP INC | 6011 WEST RIVER DRIVE NE, STE B BELMONT, MI 49306 | GUARDIAN | $14K | $14K | $28K | 15.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVENUE, STE 1500 SEATTLE, WA 98101 | GUARDIAN | $9K | — | $9K | 5.30% |
| MARK METTILLE3 Filed as: MARK STEPHEN METTILLE | 832 BAY ST NE, UNIT 1 SAINT PETERSBURG, FL 33701 | GUARDIAN | $5K | — | $5K | 2.98% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 137 | $176K |
| Vision | GUARDIAN | 137 | $176K |
| Life insurance | GUARDIAN | 137 | $176K |
| Short-term disability | GUARDIAN | 137 | $176K |
| Long-term disability | GUARDIAN | 137 | $176K |
| Prescription drug | PRIORITY HEALTH | 183 | $1.3M |
| Other | GUARDIAN | 137 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.