| 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 | 4.83% |
| AFFILIATED AGENCIES LLC3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48480 | BLUE CARE NETWORK OF MICHIGAN | — | $624 | $624 | 0.14% |
| GREGORY T. SUDDERTH3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 5.01% |
| AFFILIATED AGENCIES LLC3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48480 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $204 | $204 | 0.08% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.93% |
| SCOTT W DAVIDSON3 | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.51% |
| JUSTIN M GOODENOUGH3 Filed as: JUSTIN MICHAEL GOODENOUGH | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $466 | — | $466 | 1.02% |
| JD FINANCIAL SERVICES3 | 7463 LATHERS WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $404 | — | $404 | 0.88% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MARIE MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | — | $321 | 0.70% |
| KATRINA MARIE SEXTON3 | 9132 MOONLIGHT BAY PINCKNEY, MI 48169 | CONTINENTAL AMERICAN INSURANCE COMPANY | $253 | — | $253 | 0.55% |
| HILARY R EBNER3 | 15991 LAUDERDALE AVENUE BEVERLY HILLS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $213 | — | $213 | 0.47% |
| SHAWN MICHAEL KLUG3 | 957 HILLANDALE ROAD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | — | $182 | 0.40% |
| GABRIEL G TORREZ3 | 38615 SILKEN GLEN DRIVE NORTHVILLE, MI 48167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.09% |
| ROBERT L PARSONS3 Filed as: ROBERT LEONARD PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KIMBERLY A BROWN | 27257 OXFORD DRIVE SOUTHFIELD, MI 48033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.05% |
| JD FINANCIAL SERVICES3 | 28284 ACACIA STREET LIVONIA, MI 48154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| EDWARD OTIS WALTER III3 | 3205 VALLEY OAKS DRIVE WHITE LAKE, MI 48383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $928 | $3K | 8.90% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $340 | — | $340 | 1.10% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 18.75% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $516 | — | $516 | 2.27% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.23% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $351 | — | $351 | 1.63% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 18.23% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $335 | — | $335 | 1.73% |
| 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 | 2.74% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $561 | $398 | $959 | 14.37% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $106 | — | $106 | 1.59% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $245 | $170 | $415 | 13.87% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54 | — | $54 | 1.81% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGEAL SERVICES INC DBA LEGAL SHIELD | $258 | — | $258 | 9.41% |
| DAVID J MCCLELLAN3 Filed as: DAVID WHITFIELD | 29155 NORTHWESTERN HIGHWAY #546 SOUTHFIELD, MI 48034 | PRE-PAID LEGEAL SERVICES INC DBA LEGAL SHIELD | $57 | — | $57 | 2.08% |
| DEBORAH L MCLAUGHLIN3 | 37637 5 MILE ROAD LIVONIA, MI 48154 | PRE-PAID LEGEAL SERVICES INC DBA LEGAL SHIELD | $26 | — | $26 | 0.95% |
| ARTHUR R DIXON3 | 3463 TULLY ROAD SAN JOSE, CA 95148 | PRE-PAID LEGEAL SERVICES INC DBA LEGAL SHIELD | $21 | — | $21 | 0.77% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 71 | $731K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $31K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $19K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 71 | $730K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 119 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.