| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENDA R MANNING3 | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 496869686 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $58K | — | $58K | 4.23% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW STE 101 GRAND RAPIDS, MI 495449544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.14% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCE PARTNERS | 500 GRISWOLD SUITE 2700 DETROIT, MI 482268226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $829 | $829 | 0.06% |
| BRENDA R MANNING3 Filed as: BRENDA A MANNING | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 496869686 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 4.28% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW STE 101 GRAND RAPIDS, MI 495449544 | BLUE CARE NETWORK OF MICHIGAN | $470 | — | $470 | 0.13% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCE PARTNERS | 500 GRISWOLD SUITE 2700 DETROIT, MI 482268226 | BLUE CARE NETWORK OF MICHIGAN | — | $274 | $274 | 0.08% |
| BRENDA R MANNING3 Filed as: BRENDA MANNING | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 7.70% |
| JASON RUSSELL3 | 600 S WALNUT ST LANSING, MI 489332209 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.73% |
| JEREMY SAMPSEL3 | 401 HALL ST SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $6K | $9K | 22.24% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR & ASSOC INC | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49696 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 13.73% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ROCKFORD, MI 49431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $153 | $2K | 5.43% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $560 | $825 | $1K | 3.48% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $529 | $244 | $773 | 1.94% |
| DENA ANN MARTHA3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $639 | $21 | $660 | 1.66% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | $34 | $377 | 0.95% |
| DEIRDA B HOEHN3 | 30855 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $10 | $97 | 0.24% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT NORTH STREET JACKSON, MI 49201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.16% |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $7 | $60 | 0.15% |
| RICHARD LEWIS MULLIGAN3 | 441 HOWARD STREET SE GRAND RAPIDS, MI 49507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $10 | $59 | 0.15% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.08% |
| HELEN DIZ-HATTON3 | 4 PALMER LN ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $2 | $29 | 0.07% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $2 | $23 | 0.06% |
| KYLE HARDING3 | 520 W 12TH ST TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | 0.03% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR & ASSOC INC | 1368BUSINESS PARK DR TRAVERSE CITY, MI 49686 | EYEMED VISION CARE | $2K | — | $2K | 10.24% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES | 600 SOUTH WALNUT ST LANSING, MI 489332209 | EYEMED VISION CARE | $1K | — | $1K | 5.12% |
| JEREMY SAMPSEL3 | 401 HALL ST SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $145 | $211 | 23.24% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR & ASSOC INC | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49696 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 19.49% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $100 | $168 | 18.50% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $24 | $77 | 8.48% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $4 | $58 | 6.39% |
| RICHARD LEWIS MULLIGAN3 | 441 HOWARD STREET SE GRAND RAPIDS, MI 49507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $3 | $17 | 1.87% |
| DENA ANN MARTHA3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 1.87% |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.99% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT NORTH STREET JACKSON, MI 49201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.11% |
| JEREMY SAMPSEL3 | 401 HALL ST SW GRAND RAPIDS, MI 49503 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $50 | $60 | 43.17% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST ROCKFORD, MI 49341 | THE PAUL REVERE LIFE INSURANCE COMPANY | $23 | $2 | $25 | 17.99% |
| DENA ANN MARTHA3 | 225 E DIVISION ST ROCKFORD, MI 49341 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 1.44% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $1 | $5 | 13.16% |
| DENA ANN MARTHA3 | 225 E DIVISION ST ROCKFORD, MI 49341 | THE PAUL REVERE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ROCKFORD, MI 49341 | THE PAUL REVERE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 379 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 258 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 379 | $93K |
| Vision | EYEMED VISION CARE | 313 | $23K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 70 | $41K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 258 | $1.7M |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 70 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.