| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLAN, REBECCA3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PRIORITY HEALTH INSURANCE COMPANY | $85K | $0 | $85K | 3.15% |
| MCLAUGHLAN, REBECCA3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PRIORITY HEALTH | $65K | $0 | $65K | 3.32% |
| ELIZABETH LLOYD3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $9K | $37K | 8.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $609 | $22K | 5.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD TROY, MI 48084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $2K | $21K | 4.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD BLOOMFIELD HILLS, MI 48302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $332 | $20K | 4.84% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES INC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $454 | $6K | 1.53% |
| DOMINIC STEPHEN SICILIANO3 | 477 4 SUNFLOWER RIDGE DR ADA, MI 49301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.75% |
| MATTHEW ALAN DODDS3 | 11201 SANDUSKY STREET PERRYSBURG, OH 43551 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $747 | $0 | $747 | 0.18% |
| THAD ANDERSON3 | 7220 TALLGRASS PARKWAY LINCOLN, NE 68521 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $104 | $138 | $242 | 0.06% |
| PROFESSIONAL ENROLLMENT PERSPECTIVE3 | 43000 12 OAKS CRESCENT DRIVE NOVI, MI 48377 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $50 | $102 | 0.02% |
| JAMES A KERN3 | 43000 12 OAKS CRESCENT DRIVE NOVI, MI 48377 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $9 | $27 | 0.01% |
| ANGEL BENEFITS UNLIMITED INC3 | 31915 WEST 14 MILE ROAD FARMINGTON HILLS, MI 48334 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.00% |
| GREAT LAKES BENEFIT GROUP3 Filed as: GREAT LAKES BENEFIT GROUP LIC | 512 NORTH MAIN STREET ROYAL OAK, MI 48067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.00% |
| WILLIAM OLIVER LAMB3 | 9404 PINEVIEW CT DAVISON, MI 48423 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $12K | $0 | $12K | 3.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $0 | $15K | 4.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 4.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | KAISER FOUNDATION HEALTH PLAN INC | $61 | $0 | $61 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD BLOOMFIELD HILLS, MI 48302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $7 | $3K | 3.41% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $5 | $2K | 2.01% |
| ELIZABETH LLOYD3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $65 | $1K | 1.74% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES INC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $964 | $13 | $977 | 1.23% |
| DOMINIC STEPHEN SICILIANO3 | 4774 SUNFLOWER RIDGE DR ADA, MI 49301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $475 | $0 | $475 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD TROY, MI 48084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $6 | $60 | 0.08% |
| THAD ANDERSON3 | 7220 TALLGRASS PARKWAY LINCOLN, NE 68521 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.01% |
| ANGEL BENEFITS UNLIMITED INC3 | 31915 WEST 14 MILE ROAD FARMINGTON HILLS, MI 48334 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| PROFESSIONAL ENROLLMENT PERSPECTIVE3 | 43000 12 OAKS CRESCENT DRIVE NOVI, MI 48377 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| GREAT LAKES BENEFIT GROUP3 Filed as: GREAT LAKES BENEFIT GROUP LIC | 512 NORTH MAIN STREET ROYAL OAK, MI 48067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JAMES A KERN3 | 43000 12 OAKS CRESCENT DRIVE NOVI, MI 48377 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| WILLIAM OLIVER LAMB3 | 9404 PINEVIEW CT DAVISON, MI 48423 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARLENE L GARLAND AGY3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 48025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 48025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 22.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.88% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $493 | $493 | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$124 | -$124 | -0.47% |
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 | 744 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 1,303 | $5.1M |
| Dental | DELTA DENTAL | 1,329 | $366K |
| Vision | VISION SERVICE PLAN | 744 | $78K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 621 | $26K |
| Prescription drug(4 contracts, 3 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 1,303 | $5.1M |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 621 | $527K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,329 | — |
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.