| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR AND ASSOCIATES | 368 BUSINESS PARK DR. TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $591 | — | $591 | 0.53% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR & ASSOC. INC. | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49696 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $727 | $10K | 11.10% |
| DIANNA LYNN ATCHISON3 | 15130 SNOWBERRY FT. SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $46 | $3K | 3.45% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $11 | $2K | 2.88% |
| JEREMY SAMPSEL3 | 3030 S 9TH ST KALAMZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $735 | $1K | $2K | 2.46% |
| DENA ANN MARTHA3 Filed as: DENA ANN MARTIN | 225 E DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $924 | — | $924 | 1.08% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DR. MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $738 | — | $738 | 0.86% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR. TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $707 | — | $707 | 0.82% |
| BALLARD FINANCIAL LLC3 | 17441 MADISON ST. SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | — | $445 | 0.52% |
| EVETTE SUSAN KENDZIERSKI3 Filed as: EVETTE SUSAN KENDZIERKSI | 22596 WEST DUNCAN MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $4 | $203 | 0.24% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD. BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $14 | $166 | 0.19% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.05% |
| 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 | $7K | — | $7K | 15.00% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR AND ASSOCIATES | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | EYE MED | $227 | — | $227 | 1.12% |
| PETERSON MCGREGOR & ASSOC INC.3 | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49696 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $780 | $30 | $810 | 8.99% |
| DIANNA LYNN ATCHISON3 | 15130 SNOWBERRY CT. SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $2 | $244 | 2.71% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | $1 | $201 | 2.23% |
| JEREMY SAMPSEL3 | 3030 S 9TH ST KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $83 | $141 | 1.57% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP INC. | 901 WILSHIRE DR. TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 1.22% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DR. MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 1.10% |
| BALLARD FINANCIAL LLC3 | 17441 MADISON ST. SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.33% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKERS'S FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.20% |
| DENA ANN MARTHA3 | 225 E DIVISION ST ROCKFORD, MI 49431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.11% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DR. MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| W F AND ASSOCIATES INC.3 | 30700 TELEGRAPH RD. BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.07% |
| 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 | $888 | — | $888 | 10.00% |
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 | 218 | 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. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 393 | $112K |
| Vision | EYE MED | 338 | $20K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 218 | $139K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 76 | $95K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3 | $9K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.