| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL FINANCIAL LIFE INSURANCE COMPANY | $20K | $11K | $31K | 22.96% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 10.47% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA J GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 48173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.30% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA J GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 48173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.62% |
| JEANNETTE S STAPLETON3 Filed as: JEANNETTE S FOKSINSKI | BUSINESS ADDRESS 34706 CENTAUR DETROIT, MI 48226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.16% |
| MICHAEL L TRUDEAU3 | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $963 | — | $963 | 0.80% |
| RENEE M TRUDEAU3 | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $542 | — | $542 | 0.45% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST. FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $440 | — | $440 | 0.36% |
| ANDREW J LOEWEN3 | 321 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $437 | — | $437 | 0.36% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $353 | — | $353 | 0.29% |
| RENEE M TRUDEAU3 | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $260 | — | $260 | 0.22% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA J GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 48173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | — | $192 | 0.16% |
| HEATHER M. JANSON3 Filed as: HEATHER M JANSON | 204 W GRAND RIVER AVE SUITE 240 HOWELL, MI 48843 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 0.15% |
| JEANETTE S STAPLETON3 Filed as: JEANETTE S FOKSINSKI | 34706 CENTAUR CLINTON TOWNSHIP, MI 48035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.06% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.05% |
| CHARLES V GLAUB3 | 5458 PARKSIDE DR BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST. SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER SUITE 110 BRIGHTON, MI 48116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 2144 MADERO DR THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER SUITE 110 BRIGHTON, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| NEGYLE A BEAMAN3 | 14313 CROSLEY REDFORD, MI 48239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 2144 MADERO DR THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| STEPHANIE L KESSELRING3 | 4112 W OAKELLAR AVE TAMPA, FL 33611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 830 JUANITA A RAEL WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HEATHER A DOLLIVER3 | 212 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $16K | $8K | $24K | 22.96% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $7K | $19K | 23.24% |
| ARMATIS, MELISSA3 | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | PRIORITY HEALTH | $74K | — | $74K | 100.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 7.14% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | AP BENEFIT ADVISORS LLC | $7K | $4K | $11K | 22.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | HERITAGE VISION PLANS INC. | $4K | — | $4K | 10.17% |
| DIRECT BENEFITS INC3 Filed as: DIRECT | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| INTERNATIONAL CHAMBERS GROUP INC4 Filed as: INTERNATIONAL CHAMBERS GROUP INC. | 4211 PEPPERMILL LN BLUE ASH, OH 45242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $929 | — | $929 | 8.33% |
| ASSUREDPARTNERS4 Filed as: ASSURED PARTNERS OF MI | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $794 | — | $794 | 7.12% |
| J S BUFORD FINANCIAL COMPANIES LLC4 | 607 SHELBY ST STE 700-1220 DETROIT, MI 48226 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $47 | — | $47 | 0.42% |
| MARY JO NEVILLE4 | 29627 SPOON AVE MADISON HEIGHTS, MI 48071 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 0.34% |
| PETRILL AND ASSOCIATES LLC4 | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 0.23% |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 375 | $74K |
| Dental | DELTA DENTAL OF MICHIGAN | 208 | $51K |
| Vision | HERITAGE VISION PLANS INC. | 287 | $35K |
| Life insurance | AP BENEFIT ADVISORS LLC | 331 | $48K |
| Short-term disability | THE LINCOLN NATIONAL FINANCIAL LIFE INSURANCE COMPANY | 331 | $136K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 327 | $104K |
| Other(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 331 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.