| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL G. GREEN3 Filed as: MICHAEL GREEN | 30150 TELEGRAPH ROAD, SUITE 408 FRANKLIN, MI 48025 | PRIORITY HEALTH | $100K | — | $100K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68K | $3K | $72K | 29.84% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES, INC. | 1205 LOUISIANA AVENUE, SUITE 441 PERRYSBURG, OH 43552 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58K | — | $58K | 24.15% |
| ELIZABETH LLOYD3 | 11201 SANDUSKY STREET PERRYBURG, OH 43551 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45K | $6K | $50K | 20.96% |
| LAURIE GAIL ANDREWS3 | 2340 CAMBRIDGE DRIVE SE GRAND RAPIDS, MI 49506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $18K | $21K | 8.90% |
| DOMINIC STEPHEN SICILIANO3 | 4774 SUNFLOWER RIDGE DRIVE ADA, MI 49301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 3.08% |
| THAD ANDERSON3 | 5800 LAPEER ROAD KIMBALL, MI 48074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $875 | $2K | $2K | 1.01% |
| SHAMROCK BENEFITS LLC3 Filed as: SHAMROCK BENEFITS AND OTHER AGENTS | 3941 CRYSTAL WATERS LANE NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $61 | $2K | 0.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $12K | — | $12K | 5.56% |
| MICHAEL G. GREEN3 Filed as: MICHAEL GREEN | 30150 TELEGRAPH ROAD, SUITE 408 FRANKLIN, MI 48025 | PRIORITY HEALTH | $10K | — | $10K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $41 | $4K | 9.15% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD, SUITE 106 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $804 | $804 | 1.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | KAISER FOUNDATION HEALTH PLAN INC | $647 | $500 | $1K | 5.14% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | PRIORITY HEALTH | 499 | $2.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 664 | $214K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 698 | $44K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 346 | $240K |
| Prescription drug(3 contracts, 2 carriers) | PRIORITY HEALTH | 499 | $2.2M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 346 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.