| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEADOW INSURANCE GROUP3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | TOTAL HEALTH CARE USA, INC. | $56K | — | $56K | 2.74% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $7K | $25K | 8.72% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 7.53% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 7.58% |
| JEANNETTE S STAPLETON3 | 34706 CENTAUR CLINTON TOWNSHIP, MI 48035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 15.19% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INSURANCE GROUP | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 14.16% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.53% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 284 TWIN PONDS OKEMOS, MI 48865 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.12% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER SUITE 110 #292 BRIGHTON, MI 48116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.54% |
| THOMAS W RINGWALD3 | 2732 SPIRIT ROCK TRAIL RENO, NV 89511 | CONTINENTAL AMERICAN INSURANCE COMPANY | $247 | — | $247 | 0.30% |
| JIM M BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.13% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 284 TWIN PONDS OKEMOS, MI 48865 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.12% |
| STEPHANIE L KESSELRING3 | 5415 MORNINGVIEW TERRACE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.10% |
| AG & ASSOCIATIES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.07% |
| HEATHER A DOLLIVER3 | 212 W SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.06% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.05% |
| NEGYLE A BEAMAN3 | 14313 CROSLEY REDFORD, MI 48239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| HEIDI E GLAUB3 | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| JULIE SLAUGHTER3 | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 830 JUANITA RAEL WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| INSGROUP INC3 Filed as: MEADOWBROOK INSURANCE GROUP - BOR | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | EYEMED VISION CARE | $4K | — | $4K | 9.25% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | ATLANTIC SPECIALTY INSURANCE COMPANY | $748 | — | $748 | 10.00% |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 406 | $222K |
| Vision | EYEMED VISION CARE | 606 | $39K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 715 | $281K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 715 | $281K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 715 | $281K |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 671 | $2.0M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 317 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 715 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.