| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | INSIGHT BENEFIT ADMINISTRATORS LLC | $48K | $0 | $48K | 32.09% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR & ASSOC. INC. | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49696 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 12.23% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $177 | $8K | 7.55% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $641 | $5K | 5.10% |
| JEREMY SAMPSEL3 | 401 HALL ST SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 4.78% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DR. MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $590 | — | $590 | 0.58% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP LLC | 901 WILSHIRE DR TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | — | $419 | 0.41% |
| DENA ANN MARTHA3 | 225 E DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $381 | $2 | $383 | 0.37% |
| BALLARD FINANCIAL LLC3 | 17441 MADISON ST. SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $347 | — | $347 | 0.34% |
| EVETTE SUSAN KENDZIERSKI3 Filed as: EVETTE SUSAN KENDZIERKSI | 22596 CLEARWATER DR MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.10% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT NORTH ST JACKSON, MI 49201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.08% |
| 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 | $79 | — | $79 | 0.08% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.04% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $11 | $19 | 0.02% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR AND ASSOCIATES | 368 BUSINESS PARK DR. TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $0 | — | $0 | 0.00% |
| 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 | $5K | $250 | $5K | 15.75% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR AND ASSOCIATES | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | EYE MED | $0 | — | $0 | 0.00% |
| 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 | $784 | $59 | $843 | 10.75% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR & ASSOC. INC. | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49696 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $478 | — | $478 | 7.83% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST. ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $4 | $128 | 2.10% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $2 | $127 | 2.08% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 1.41% |
| JEREMY SAMPSEL3 | 401 HALL ST SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $38 | $73 | 1.20% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DR. MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.92% |
| BALLARD FINANCIAL LLC3 | 17441 MADISON ST. SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.25% |
| DENA ANN MARTHA3 | 225 E DIVISION ST. ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.08% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INSIGHT BENEFIT ADMINISTRATORS LLC | 158 | $150K |
| Dental | DELTA DENTAL OF MICHIGAN | 350 | $95K |
| Vision | EYE MED | 322 | $18K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 223 | $144K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 111 | $109K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 4 | $6K |
| Prescription drug | INSIGHT BENEFIT ADMINISTRATORS LLC | 158 | $150K |
| Stop-loss / reinsurancereinsurance | INSIGHT BENEFIT ADMINISTRATORS LLC | 158 | $150K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.