| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.76% |
| SCOTT W DAVIDSON3 | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.35% |
| SHAUN M KLUG3 Filed as: SHAUN MICHAEL KLUG | 957 HILLANDALE ROAD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $593 | — | $593 | 0.10% |
| JUSTIN M GOODENOUGH3 | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $485 | — | $485 | 0.08% |
| HILARY R EBNER3 | 15991 LAUDERDALE AVENUE BEVERLY HILLS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $465 | — | $465 | 0.08% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | — | $298 | 0.05% |
| KATRINA MARIE SEXTON3 | 9132 MOONLIGHT BAY PINCKNEY, MI 48169 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 0.04% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MARIE MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.01% |
| GABRIEL G TORREZ3 | 38615 SILKEN GLEN DRIVE NORTHVILLE, MI 48167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.01% |
| ROBERT L PARSONS3 Filed as: ROBERT LEONARD PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KIMBERLY A BROWN | 27257 OXFORD DRIVE SOUTHFIELD, MI 48033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| JOSHUA SCOTT DAVIDSON3 | 28284 ACACIA STREET LIVONIA, MI 48154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| EDWARD OTIS WALTER III3 | 3205 VALLEY OAKS DRIVE WHITE LAKE, MI 48383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| GREGORY T. SUDDERTH3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | BLUE CARE NETWORK OF MICHIGAN | $22K | — | $22K | 4.29% |
| AFFILIATED AGENCIES LLC3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48480 | BLUE CARE NETWORK OF MICHIGAN | — | $757 | $757 | 0.15% |
| GREGORY T. SUDDERTH3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 4.46% |
| AFFILIATED AGENCIES LLC3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48480 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $248 | $248 | 0.07% |
| AFFILIATED AGENCIES LLC3 | — | GUARDIAN | $16K | $2K | $18K | 14.37% |
| HEALTH INSURANCE SERVICES3 | 5640 WEST MAPLE ROAD SUITE 304 WEST BLOOMFIELD, MI 48322 | UNITED AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.48% |
| HEALTH INSURANCE SERVICES3 | 5640 WEST MAPLE ROAD SUITE 304 WEST BLOOMFIELD, MI 48322 | EXPRESS SCRIPTS, INC. | $384 | — | $384 | 2.59% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGEAL SERVICES INC DBA LEGAL SHIELD | $307 | — | $307 | 9.76% |
| DAVID J MCCLELLAN3 Filed as: DAVID WHITFIELD | 29155 NORTHWESTERN HIGHWAY #546 SOUTHFIELD, MI 48034 | PRE-PAID LEGEAL SERVICES INC DBA LEGAL SHIELD | $67 | — | $67 | 2.13% |
| ARTHUR R DIXON3 | 3463 TULLY ROAD SAN JOSE, CA 95148 | PRE-PAID LEGEAL SERVICES INC DBA LEGAL SHIELD | $25 | — | $25 | 0.79% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | 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 | $862K |
| Dental | GUARDIAN | 131 | $125K |
| Vision | GUARDIAN | 131 | $125K |
| Life insurance | GUARDIAN | 131 | $125K |
| Short-term disability | GUARDIAN | 131 | $125K |
| Long-term disability | GUARDIAN | 131 | $125K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 71 | $861K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 131 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.