| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A KING3 | 1707 W BIG BEAVER RD TROY, MI 480843510 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | $888 | $22K | 1.83% |
| JOSEPH A KING3 | 1707 W BIG BEAVER RD TROY, MI 480843510 | BLUE CARE NETWORK OF MICHIGAN | $12K | $579 | $12K | 2.05% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W BIG BEAVER RD TROY, MI 480843510 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 11.14% |
| LIFETIME FINANCIAL GROWTH OF M3 | 24255 W 13 MILE RD BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $180 | — | $180 | 0.06% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W BIG BEAVER RD TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $7K | $202 | $7K | 4.87% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 181 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 322 | $143K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 181 | $1.8M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $285K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $285K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $285K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 181 | $1.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
No prospect flags tripped on this filing.