| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY T. SUDDERTH3 | 5925 MERIDIAN BOULEVARD SOUTH-300 BRIGHTON, MI 48116 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 3.52% |
| AFFILIATED AGENCIES LLC3 | 16401 EAST 9 MILE ROAD EASTPOINTE, MI 48021 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.16% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BOULEVARD BRIGHTON, MI 48116 | DELTA DENTAL OF MICHIGAN | $2K | $790 | $3K | 1.99% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $652 | $3K | 6.21% |
| GREGORY T. SUDDERTH3 | 5925 MERIDIAN BOULEVARD SOUTH-300 BRIGHTON, MI 48116 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 3.25% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $528 | $4K | 11.75% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $416 | $3K | 17.42% |
| CUSTOM BENEFITS INSURANCE GROUP INC3 | 4204 MARTIN ROAD WALLED LAKE, MI 48390 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 17.59% |
| STRATEGIC SERVICES GROUP3 | — | TELADOC | $92 | — | $92 | 1.90% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $466 | $85 | $551 | 11.83% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 213 | $773K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 414 | $208K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 163 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $22K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $30K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 213 | $773K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.