| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY T. SUDDERTH3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | BLUE CARE NETWORK OF MICHIGAN | $22K | — | $22K | 4.72% |
| GREGORY T. SUDDERTH3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 6.83% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 12.51% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER, MI 48307 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 10.66% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 9.63% |
| JUSTIN M GOODENOUGH3 | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $997 | — | $997 | 2.33% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $945 | — | $945 | 2.21% |
| SCOTT W DAVIDSON3 | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $805 | — | $805 | 1.88% |
| KATRINA M. SEXTON3 Filed as: KATRINA SEXTON | 776 WEST GRAND RIVER BRIGHTON, MI 48116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $532 | — | $532 | 1.24% |
| GABRIEL TORREZ3 | 407 LAFAYETTE AVENUE BAY CITY, MI 48708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.34% |
| KIMBERLEY M MCNULTY3 | 22452 LAKECREST STREET ST CLR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.19% |
| EDWARD O WALTER III3 Filed as: EDWARD O WALTER | PO BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.19% |
| ROBERT L PARSONS3 | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.18% |
| WILLIAM LEY3 Filed as: WILLIAM F WALSH | 165 KIRTS BOULEVARD SUITE 600 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| ROBERT L PARSONS3 | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.04% |
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 | 119 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 76 | $672K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $127K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $127K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $127K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $127K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $127K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 76 | $672K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $170K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.