| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER HILLS, MI 48307 | SYMETRA LIFE INSURANCE COMPANY | $49K | $27K | $75K | 12.64% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | $0 | $26K | 5.19% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 4.68% |
| MJ INSURANCE3 Filed as: BRIAN W. PATTEN AND VARIOUS AGENTS | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 4.35% |
| MYRNA L MURRAY3 Filed as: MYRNA L. MURRAY | 2114 BOSTON BOULEVARD, SUITE 2 LANSING, MI 48910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 2.86% |
| MARJORIE L MOE3 Filed as: MARJORIE M. MOE | 7343 NORTH SHORE DRIVE SOUTH HAVEN, MI 49090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.73% |
| SAMANTHA SEDLAK3 Filed as: SAMANTHA R. SEDLAK | 6770 73RD AND A HALF STREET SOUTH HAVEN, MI 49090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.63% |
| ROBERT L PARSONS3 Filed as: ROBERT L. PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.38% |
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 | 1,929 | 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) | 1,929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,520 | $595K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,520 | $595K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,520 | $595K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,929 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,929 | — |
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.