| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY T. SUDDERTH3 Filed as: GREGORY SUDDERTH | 5925 MERIDAN BOULEVARD SUITE 300 BRIGHTON, MI 48116 | PRIORITY HEALTH | $33K | — | $33K | 5.00% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BOULEVARD SUITE 300 BRIGHTON, MI 48116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $17K | 12.54% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.23% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 30.85% |
| JUSTIN M GOODENOUGH3 | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 9.79% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.32% |
| SCOTT W DAVIDSON3 | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.19% |
| KATRINA M. SEXTON3 Filed as: KATRINA M SEXTON | 776 WEST GRAND RIVER BRIGHTON, MI 48116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.53% |
| GABRIEL TORREZ3 | 407 LAFAYETT EAST AVENUE BAY CITY, MI 48708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.34% |
| ROBERT L PARSONS3 | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $670 | — | $670 | 1.17% |
| WILLIAM LEY3 Filed as: WILLIAM F WALSH | 165 KIRTS BOULEVARD SUITE 600 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.06% |
| ROBERT L PARSONS3 | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 117 | $657K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $134K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $134K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $134K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $134K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $134K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.