| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUIDO TATANGELO3 | 1175 WEST LONG LAKE, SUITE 200 TROY, MI 48098 | PRIORITY HEALTH INSURANCE COMPANY | $25K | $0 | $25K | 2.67% |
| DEAN E. AUSTIN3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | PRIORITY HEALTH INSURANCE COMPANY | $13K | $0 | $13K | 1.33% |
| VALENTI TROBEC CHANDLER, INC.3 Filed as: VALENTI TROBE CHANDLER, INC. | 37000 GRAND RIVER AVENUE FARMINGTON, MI 48335 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 7.71% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.01% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 145 | $945K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $88K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $88K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $88K |
| Prescription drug | PRIORITY HEALTH INSURANCE COMPANY | 145 | $945K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.