| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHSTREET INSURANCE SERVICES3 Filed as: HIGHSTREET INS. SVCS. GREAT LAKES | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49686 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR AND ASSOC., INC. | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49696 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 10.56% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN STREET MANCHESTER, MI 48158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $95 | $6K | 7.33% |
| DIANNA LYNN ATCHISON3 | 225 EAST DIVISION STREET ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.62% |
| JEREMY SAMPSEL3 Filed as: JEREMY SAMPSEI | 401 HALL STREET SW, SUITE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 3.37% |
| BALLARD FINANCIAL LLC3 Filed as: BALLARD FINANCIAL AND OTHER AGENTS | 17441 MADISON STREET SOUTHFIELD, MI 48076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $454 | $7 | $461 | 0.57% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DRIVE MACOMB, MI 48042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $321 | $0 | $321 | 0.40% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT NORTH JACKSON, MI 49201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $27 | $236 | 0.29% |
| HIGHSTREET INSURANCE SERVICES3 Filed as: HIGHSTREET INS. SVCS. GREAT LAKES | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49686 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 8.94% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR AND ASSOC., INC. | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49696 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $219 | $0 | $219 | 9.53% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN STREET MANCHESTER, MI 48158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | $2 | $101 | 4.40% |
| DIANNA LYNN ATCHISON3 | 225 EAST DIVISION STREET ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $31 | $95 | 4.14% |
| JEREMY SAMPSEL3 Filed as: JEREMY SAMPSEI | 401 HALL STREET SW, SUITE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $24 | $48 | 2.09% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DRIVE MACOMB, MI 48042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.78% |
| BALLARD FINANCIAL LLC3 Filed as: BALLARD FINANCIAL, LLC | 17441 MADISON STREET SOUTHFIELD, MI 48076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.35% |
| MJ INSURANCE3 Filed as: MELISSA HALMON AND VARIOUS AGENTS | 1109 POINT NORTH JACKSON, MI 49201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.30% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 388 | $84K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 278 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $66K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $66K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 224 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.