| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLAN, REBECCA3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PRIORITY HEALTH INSURANCE COMPANY | $64K | $0 | $64K | 2.93% |
| MCLAUGHLAN, REBECCA3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PRIORITY HEALTH | $50K | $0 | $50K | 2.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD SUITE 2300 TROY, MI 480842814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $8K | $608 | $8K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 480844907 | VISION SERVICE PLAN | $5K | $0 | $5K | 10.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 12.91% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $497 | $0 | $497 | 2.22% |
| SALTER, JAMES F3 | 72 SHEPHERD LN PORTLAND, ME 04103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124 | $0 | $124 | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 22.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 10.14% |
| DAVID E. SHILLING3 Filed as: DAVID E SHILLING | 816 E GRANT STREET HASTINGS, MI 49058 | CONTINENTAL AMERICAN INSURANCE COMPANY | $528 | $0 | $528 | 3.91% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DRIVE SOUTHWEST GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | $0 | $284 | 2.11% |
| USI INSURANCE SERVICES LLC3 | 333 BRIDGE ST NW STE 400 GRAND RAPIDS, MI 49504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | $0 | $101 | 0.75% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | $0 | $86 | 0.64% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.58% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 W. MICHIGAN AVE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | $0 | $70 | 0.52% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | $0 | $66 | 0.49% |
| JEREMY D SAMPSEL3 | 3030 9TH ST 2K KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.24% |
| EDWARD O WALTER3 | PO BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.19% |
| JULIE SLAUGHTER3 | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.06% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 830 JUANITA RAEL WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.05% |
| ROBERT L PARSONS3 | 4130 WEST D AVE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.05% |
| THOMAS W RINGWALD3 | 2732 SPIRIT ROCK TRAIL RENO, NV 89511 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
| JIM M BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| STEPHANIE L KESSELRING3 | 4112 W OAKELLAR AVE TAMPA, FL 33611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| HEATHER A DOLLIVER3 | 212 W SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| JULIE THOM3 | 5699 DUNCAN COVE LN SE CALEDONIA, MI 49316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - GRAND RAPIDS | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 4.12% |
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 358 | $4.0M |
| Dental | DELTA DENTAL | 833 | $274K |
| Vision | VISION SERVICE PLAN | 293 | $47K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $347K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $347K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $347K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 358 | $4.0M |
| Other(6 contracts, 6 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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.