| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY T. SUDDERTH3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | BLUE CARE NETWORK OF MICHIGAN | $23K | — | $23K | 4.43% |
| GREG LIPOSKY3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.33% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | TOTAL HEALTH CARE USA, INC. | $12K | — | $12K | 4.76% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER, MI 48307 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 8.78% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $623 | — | $623 | 0.48% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENTSERVICES INC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.73% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.35% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC AT WORK HOUSEACCOUNT | 400 LAUREL STREET COLUMBIA, SC 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.11% |
| CUSTOM BENEFITS INSURANCE GROUP INC3 | 4204 MARTIN ROAD WALLED LAKE, MI 48390 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $793 | $793 | 12.55% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA CUSTOM BENEFITS IN | 4202 MARTIN ROAD SUITE A AND B WALLED LAKE, MI 48390 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $414 | $414 | 6.55% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA CUSTOM BENEFITS IN | 4204 MARTIN ROAD SUITE A AND B WALLED LAKE, MI 48390 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $109 | — | $109 | 1.73% |
| CUSTOM BENEFITS INSURANCE GROUP INC3 | 4204 MARTIN ROAD SUITE A AND B WALLED LAKE, MI 48390 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $14 | — | $14 | 0.22% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 98 | $782K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $129K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 139 | $269K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $129K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $209K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $129K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 98 | $782K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.