| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48116 | HEALTH ALLIANCE PLAN | $32K | — | $32K | 4.41% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER, MI 48307 | GUARDIAN | $16K | $1K | $17K | 13.45% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| SCOTT W DAVIDSON3 | 32630 SANDR WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.59% |
| SHAUN M KLUG3 Filed as: SHAUN MICHAEL KLUG | 957 HILLANDALE ROAD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $344 | — | $344 | 1.60% |
| HILARY R EBNER3 | 15991 LAUDERDALE AVENUE BEVERLY HILLS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $318 | — | $318 | 1.48% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MARIE MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | — | $155 | 0.72% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.65% |
| KATRINA MARIE SEXTON3 | 9132 MOONLIGHT BAY PINCKNEY, MI 48169 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.29% |
| JUSTIN M GOODENOUGH3 Filed as: JUSTIN MICHAEL GOODENOUGH | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.27% |
| EDWARD OTIS WALTER III3 | 3205 VALLEY OAKS DRIVE WHITE LAKE, MI 48383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.16% |
| SHAUN M KLUG3 Filed as: SHAUN MICHAEL KLUG | 957 HILLANDALE ROAD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.06% |
| GABRIEL G TORREZ3 | 38615 SILKEN GLEN DRIVE NORTHVILLE, MI 48167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ROBERT L PARSONS3 Filed as: ROBERT LEONARD PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGEAL SERVICES INC DBA LEGAL SHIELD | $248 | — | $248 | 8.87% |
| DAVID J MCCLELLAN3 Filed as: DAVID WHITFIELD | 29155 NORTHWESTERN HIGHWAY #546 SOUTHFIELD, MI 48034 | PRE-PAID LEGEAL SERVICES INC DBA LEGAL SHIELD | $62 | — | $62 | 2.22% |
| ARTHUR R DIXON3 | 3463 TULLY ROAD SAN JOSE, CA 95148 | PRE-PAID LEGEAL SERVICES INC DBA LEGAL SHIELD | $23 | — | $23 | 0.82% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE PLAN | 126 | $732K |
| Dental | GUARDIAN | 119 | $130K |
| Vision | GUARDIAN | 119 | $130K |
| Life insurance | GUARDIAN | 119 | $130K |
| Short-term disability | GUARDIAN | 119 | $130K |
| Long-term disability | GUARDIAN | 119 | $130K |
| Prescription drug | HEALTH ALLIANCE PLAN | 126 | $732K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 119 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.