| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENDA R MANNING3 Filed as: BRENDA A MANNING | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 496869686 | BLUE CARE NETWORK OF MICHIGAN | $50K | — | $50K | 2.97% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCE PARTNERS INC | 500 GRISWOLD SUITE 2700 DETROIT, MI 482268226 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.17% |
| BRENDA R MANNING3 Filed as: BRENDA MANNING | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 7.14% |
| JASON RUSSELL3 | 600 S WALNUT ST LANSING, MI 489332209 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.46% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR & ASSOC INC | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49696 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 14.17% |
| JEREMY SAMPSEL3 | 401 HALL ST SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 13.69% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $964 | $4K | 9.71% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT NORTH STREET JACKSON, MI 49201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $492 | $66 | $558 | 1.33% |
| KIMBERLY JILL ZBIKOWSKI3 Filed as: KIMBERLY J ZBIKOWSKI | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | $141 | $378 | 0.90% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | $59 | $303 | 0.72% |
| DENA ANN MARTHA3 | 225 E DIVISION ROCKFORD, MI 49431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.26% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.23% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.10% |
| BRANDON MARCELLO CENTO3 | 13816 FEMLEAF WAY CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $2 | $31 | 0.07% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCE PARTNERS INC | 500 GRISWOLD SUITE 2700 DETROIT, MI 482268226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 11.91% |
| BRENDA R MANNING3 | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 496869686 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 7.30% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR & ASSOC INC | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49696 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | — | $375 | 17.51% |
| KIMBERLY JILL ZBIKOWSKI3 Filed as: KIMBERLY ANN MARTHA | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $88 | $210 | 9.80% |
| JEREMY SAMPSEL3 | 401 HALL ST SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $90 | $203 | 9.48% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST. ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $36 | $145 | 6.77% |
| RICHARD LEWIS MULLIGAN3 | 441 HOWARD STREET SE GRAND RAPIDS, MI 49507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 5.84% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $5 | $26 | 1.21% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT NORTH STREET JACKSON, MI 49201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.56% |
| STEVE KIRCHER3 | 22221 STRUWIN RD BATTLE CREEK, MI 49017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.47% |
| DENA ANN MARTHA3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.19% |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.14% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ROCKFORD, MI 49341 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | $4 | $33 | 23.40% |
| JEREMY SAMPSEL3 | 401 HALL ST SW GRAND RAPIDS, MI 49503 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 4.96% |
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 | 425 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 388 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 425 | $97K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 348 | $17K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 71 | $44K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 388 | $1.7M |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 71 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.