| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY T. SUDDERTH3 Filed as: GREGORY T SUDDERTH | 5925 MERIDIAN BOULEVARD S-300 BRIGHTON, MI 48116 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 4.87% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 1.07% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BOULVARD S-300 BRIGHTON, MI 48116 | BLUE CARE NETWORK OF MICHIGAN | — | $396 | $396 | 0.08% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $272 | — | $272 | 0.05% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BOULEVARD SUITE 300 BRIGHTON, MI 48116 | TOTAL HEALTH CARE USA, INC. | $14K | — | $14K | 4.24% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BOULEVARD SUITE 300 BRIGHTON, MI 48116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $7K | $19K | 12.79% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENTSERVICES INC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | — | $30K | 35.77% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 23.45% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY LLOYD | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.35% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY LLOYD | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.27% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY LLOYD | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.58% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY LLOYD | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.32% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $952 | — | $952 | 2.04% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $943 | — | $943 | 2.02% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $748 | — | $748 | 1.60% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $673 | — | $673 | 1.44% |
| CUSTOM BENEFITS INSURANCE GROUP INC3 | 4204 MARTIN ROAD WALLED LAKE, MI 48390 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 17.64% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $722 | — | $722 | 15.28% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY M LLOYD INC DBA STRATE | 11201 SANDUSKY STREET SUITE 201 PERRYSBURG, OH 43551 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $555 | — | $555 | 11.74% |
| KELLY M TIMMONS3 | 4205 OXFORD DRIVE COLUMBUS, OH 43220 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $32 | — | $32 | 0.68% |
| MONTREAL R BROWNE3 | 27416 SUTHERLAND STREET SOUTHFIELD, MI 48076 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28 | — | $28 | 0.59% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 101 | $834K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $149K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 169 | $339K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $196K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $149K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $149K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 101 | $834K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
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.