| 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 | $20K | — | $20K | 4.80% |
| AFFILIATED AGENCIES LLC3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48480 | BLUE CARE NETWORK OF MICHIGAN | — | $672 | $672 | 0.16% |
| GREGORY T. SUDDERTH3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 4.87% |
| AFFILIATED AGENCIES LLC3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48480 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $192 | $192 | 0.08% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.57% |
| JD FINANCIAL SERVICES3 | 7463 LATHERS WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $812 | — | $812 | 1.44% |
| JUSTIN M GOODENOUGH3 Filed as: JUSTIN MICHAEL GOODENOUGH | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $715 | — | $715 | 1.26% |
| SCOTT W DAVIDSON3 | 7866 SLEEPY HOLLOW DRIVE NORTHWILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $487 | — | $487 | 0.86% |
| KATRINA MARIE SEXTON3 | 9132 MOONLIGHT BAY PINCKNEY, MI 48169 | CONTINENTAL AMERICAN INSURANCE COMPANY | $404 | — | $404 | 0.71% |
| ROBERT L PARSONS3 Filed as: ROBERT LEONARD PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.06% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MARIE MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KIMBERLY A BROWN | 27257 OXFORD DRIVE SOUTHFIELD, MI 48033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.06% |
| JD FINANCIAL SERVICES3 | 7463 LATHERS WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| GABRIEL G TORREZ3 | 38615 SILKEN GLEN DRIVE NORTHVILLE, MI 48167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| HILARY R EBNER3 | 15991 LAUDERDALE AVENUE BEVERLY HILLS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.03% |
| EDWARD OTIS WALTER III3 | 3205 VALLEY OAKS DRIVE WHITE LAKE, MI 48383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $315 | $2K | 8.04% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $594 | $4K | 17.61% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $490 | $3K | 12.39% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $474 | $3K | 16.09% |
| HEALTH INSURANCE SERVICES3 | 5640 WEST MAPLE ROAD SUITE 304 WEST BLOOMFIELD, MI 48322 | UNITED AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.45% |
| HEALTH INSURANCE SERVICES3 | 5640 WEST MAPLE ROAD SUITE 304 WEST BLOOMFIELD, MI 48322 | EXPRESS SCRIPTS, INC | $384 | — | $384 | 2.93% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $654 | $138 | $792 | 12.12% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $276 | $58 | $334 | 12.08% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 72 | $666K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $30K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $20K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 72 | $663K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 107 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.