| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRSI EMPLOYEE SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 46292 | UNITED HEALTH CARE INSURANCE COMPANY | — | $172K | $172K | 3.62% |
| KEVIN HAMMING3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | DELTA DENTAL OF MICHIGAN | $259K | — | $259K | 79.90% |
| BRSI EMPLOYEE SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | — | $23K | 17.00% |
| BRSI EMPLOYEE SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| BRSI EMPLOYEE SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| BRSI EMPLOYEE SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | VISION SERVICE PLAN | — | $4K | $4K | 10.12% |
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 | 582 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 870 | $4.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 95 | $324K |
| Vision | VISION SERVICE PLAN | 359 | $41K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $210K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $138K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 870 | — |
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.