| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A KELLEHER3 Filed as: ROBERT B ARTINIAN | 901 WHILSHIRE DR SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | $39K | $53K | 14.09% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.74% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFIT GROUP, INC. | 901 WILSHIRE DR TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $6K | $238 | $6K | 4.34% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR AND ASSOCIATES | 368 BUSINESS PARK DR. TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $593 | — | $593 | 0.41% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR. TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 8.09% |
| DIANNA LYNN ATCHISON3 | 15130 SNOWBERRY CT. SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $240 | $5K | 4.39% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $263 | $5K | 4.11% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DR. MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.59% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD. BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $835 | $2K | 1.98% |
| JASON RODERICK3 | 2130 28TH ST SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.91% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DR. MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $408 | $1K | 1.25% |
| BALLARD FINANCIAL LLC3 | 17441 MADISON ST. SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $153 | $1K | 1.19% |
| JEREMY SAMPSEL3 | 3030 S 9TH ST KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $329 | $514 | 0.45% |
| CHARLES ALLEN PINKERTON3 | 2653 CADES COVE BRIGHTON, MI 48114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $43 | $139 | 0.12% |
| DENA ANN MARTHA3 | 225 E DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.05% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DR. PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 30150 TELEGRAPH RD. BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| DOMINIC STEPHEN SICILIANO3 | 4774 SUNFLOWER RIDGE DR. ADA, MI 49301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DR. STE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $463 | $6K | 13.64% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR AND ASSOCIATES | 1368 BUSINESS PARK DR. TRAVERSE CITY, MI 49686 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.41% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE #330 TROY, MI 48084 | EYE MED | $3K | — | $3K | 9.34% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR AND ASSOCIATES | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | EYE MED | $217 | — | $217 | 0.80% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP INC. | 901 WILSHIRE DR. TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.72% |
| DIANNA LYNN ATCHISON3 | 15130 SNOWBERRY CT. SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $591 | $25 | $616 | 4.01% |
| THOMASE DANIEL SCHMIDT3 | 21608 PINE CONE DR. MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | — | $432 | 2.81% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | $20 | $363 | 2.36% |
| JASON RODERICK3 | 2130 28TH ST SW WYOMING, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | — | $232 | 1.51% |
| JEREMY SAMPSEL3 | 3030 S 9TH ST KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $124 | $194 | 1.26% |
| BALLARD FINANCIAL LLC3 | 17441 MADISON ST. SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $13 | $121 | 0.79% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKER'S FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $4 | $100 | 0.65% |
| W F AND ASSOCIATES INC.3 Filed as: W F AND ASSOCIATES INC | 30700 TELEGRAPH RD. BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $28 | $77 | 0.50% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DR. MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $9 | $31 | 0.20% |
| CHARLES ALLEN PINKERTON3 | 2653 CADES COVE BRIGHTON, MI 48114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.06% |
| 3C HOLDINGS INC3 | 908 SYDNEY DRIVE CHARLOTTE, NC 28270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.05% |
| FOUNDERS FINANCIAL GROUP LLC3 | 717 PLANTATION RD. LANCASTER, SC 29720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.04% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP INC. | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $843 | $105 | $948 | 9.36% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR AND ASSOCIATES | 1368 BUSINESS PARK DR. TRAVERSE CITY, MI 49686 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170 | — | $170 | 1.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Other fees; Consulting (general); Insurance services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $167K |
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 | 245 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 480 | $144K |
| Vision | EYE MED | 443 | $27K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 245 | $169K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $130K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 10 | $15K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 208 | $374K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.