| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHSTREET INSURANCE SERVICES3 Filed as: HIGHSTREET INS. SVS. GREAT LAKES | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 7.83% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBERS SERVICES, INC. | 600 SOUTH WALNUT STREET LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 3.79% |
| HIGHSTREET INSURANCE SERVICES3 Filed as: HIGHSTREET INS. SVS. GREAT LAKES | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 11.17% |
| DIANNA LYNN ATCHISON3 Filed as: DIANNA LYNN ATCHINSON | 225 EAST DIVISION STREET ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 8.28% |
| JEREMY SAMPSEL3 | 401 HALL STREET SW, SUITE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 6.26% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $944 | $196 | $1K | 1.78% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DRIVE SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $652 | $230 | $882 | 1.38% |
| JT PREMIER HOLDINGS & OTHER AGENTS3 | 2620 WINESAP DRIVE NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $129 | $549 | 0.86% |
| FANTASIA MARIE JONES3 | 420 CEDAR STREET, APARTMENT 4 PAW PAW, MI 49079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $62 | $140 | 0.22% |
| BRENDA R MANNING3 Filed as: BRENDA R. MANNING | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $833 | $0 | $833 | 4.94% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCE PARTNERS INC. | 500 GRISWOLD, SUITE 2700 DETROIT, MI 48226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $481 | $481 | 2.85% |
| HIGHSTREET INSURANCE SERVICES3 Filed as: HIGHSTREET INS. SVS. GREAT LAKES | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | $0 | $295 | 12.11% |
| JEREMY SAMPSEL3 | 401 HALL STREET SW, SUITE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $44 | $122 | 5.01% |
| DIANNA LYNN ATCHISON3 Filed as: DIANNA LYNN ATCHINSON | 225 EAST DIVISION STREET ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $26 | $106 | 4.35% |
| RICHARD LEWIS MULLIGAN3 | 441 HOWARD STREET SE GRAND RAPIDS, MI 49507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $3 | $35 | 1.44% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DRIVE SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.37% |
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 | 1,851 | 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) | 1,851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 403 | $99K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 349 | $17K |
| Life insurance(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 79 | $66K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 79 | $66K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,851 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,851 | — |
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.