| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES | 5925 MERIDIAN BOULEVARD SUITE 300 BRIGHTON, MI 48116 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 4.63% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 1.06% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BOULEVARD BRIGHTON, MI 48116 | TOTAL HEALTH CARE USA, INC. | $15K | — | $15K | 3.80% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BOULEVARD SUITE 300 BRIGHTON, MI 48116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 8.45% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY LLOYD | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 14.15% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 48307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 8.76% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY LLOYD | 1205 LOUISIANA AVENUE #441 PERRYSBURG, OH 43552 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.99% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $850 | — | $850 | 5.99% |
| CUSTOM BENEFITS INSURANCE GROUP INC3 | 4204 MARTIN ROAD WALLED LAKE, MI 48390 | EYEMED VISION CARE | $1K | — | $1K | 16.14% |
| ANTHONY JOSEPH MOTTER4 Filed as: ANTHONY M LLOYD INC | DBA STRATEGIC ENROLLMENT SERVICE 11201 SANDUSKY STREET PERRYSBURG, OH 43551 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $378 | — | $378 | 11.60% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $340 | — | $340 | 10.43% |
| ANTHONY P PETRILL4 | 2700 OLD STABLES DRIVE CELINA, TX 75009 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $32 | — | $32 | 0.98% |
| KELLY M TIMMONS4 | 4205 OXFORD DRIVE COLUMBUS, OH 43220 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $32 | — | $32 | 0.98% |
| MONTEAL R BROWNE4 | 27416 SUTHERLAND ST SOUTHFIELD, MI 48076 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28 | — | $28 | 0.86% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA COURT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $16 | — | $16 | 0.49% |
| BRUCE ABRAMSON4 | 1055 SHERBROOKE STREET COMMERCE TOWNSHIP, MI 48383 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $11 | — | $11 | 0.34% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 120 | $901K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $148K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 174 | $395K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $148K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $148K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $148K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 120 | $901K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.