| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS, LLC | 4200 WEST MICHIGAN AVENUE KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58K | — | $58K | 15.05% |
| MJ INSURANCE3 Filed as: TERESA L. FOUTZ AND VARIOUS AGENTS | 1877 LEALAND POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53K | — | $53K | 13.96% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | — | $50K | 12.97% |
| MYRNA L MURRAY3 Filed as: MYRNA L. MURRAY | 2114 BOSTON BOULEVARD, SUITE 2 LANSING, MI 48910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | — | $31K | 8.06% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | UNKNOWN BATTLE CREEK, MI 49014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | — | $25K | 6.41% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW S. MCCLAY | 120 MARQUERITE DRIVE, SUITE 101 CRANBERRY, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 3.20% |
| RANDALL L KIMBLER3 Filed as: RANDALL L. KIMBLER | 2849 5TH STREET SHELBYVILLE, MI 49344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5151 BELTLINE ROAD, SUITE 200 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 10.00% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 17.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201503 DALLAS, TX 75320 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.28% |
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 | 2,186 | 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) | 2,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,381 | $477K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 2,186 | $95K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,186 | $325K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,186 | $325K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,186 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,186 | — |
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.