| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 | 244 N ROSE ST KALAMAZOO, MI 49007 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 7.92% |
| GREGORY THOMPSON3 | 118 ELAM DRIVE MCCORMICK, SC 29835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.83% |
| MICHELLE LIVINGSTON3 | 18211 DORSET ST SOUTHFIELD, MI 48075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 0.71% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | $52 | $286 | 0.66% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $18 | $87 | 0.20% |
| KENNETH JAMES BOWERY3 | 2083 PINECROFT DR CANTON, MI 48188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.18% |
| RAY SCOTT3 | 5318 INDIAN TRAIL YPSILANTI, MI 48197 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.13% |
| JOSEPH P CROTTY3 | PO BOX 3124 DUBLIN, OH 43016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| WADYE T GALLANT3 | 18151 RAMSGATE LATHRUP VILLAGE, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PL CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 3.05% |
| NANETTE JENNINGS3 Filed as: NANETTE S JENNINGS | 65145 BIG HILL RD STURGIS, MI 49091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 3.01% |
| TIM WOODARD3 | 614 CEDAR CT JONESVILLE, MI 49250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.92% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.65% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.57% |
| ROBERT L PARSONS3 | 4130 WEST D AVE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.48% |
| HEATHER A DOLLIVER3 | 212 W SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.09% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 830 JUANITA RAEL WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.09% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| JIM M BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $108K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $108K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $63K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.