| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID N SOKOL3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 2.00% |
| BRIAN C. HUGGINS3 Filed as: BRIAN C HUGGINS | 1108 WEST JENNY BAY CITY, MI 48706 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.10% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $9K | $26K | 9.69% |
| DAVID N SOKOL3 Filed as: DAVID NEIL SOKOL | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 7.57% |
| MARK E HARDY3 | 5444 STATE STREET SAGINAW, MI 48603 | NORTHWESTERN MUTUAL | $2K | $622 | $3K | 3.79% |
| IVAN MATTHEW PERUSKI3 | 5444 STATE STREET SAGINAW, MI 48603 | NORTHWESTERN MUTUAL | $2K | $562 | $3K | 3.71% |
| SEITZINGER FNCL GP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $2K | $146 | $2K | 2.20% |
| GARY J MESSING3 | 114 EAST BROADWAY STREET MT PLEASANT, MI 48858 | NORTHWESTERN MUTUAL | $750 | $178 | $928 | 1.13% |
| DAVID N SOKOL3 Filed as: DAVID NEIL SOKOL | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $2K | $446 | $2K | 8.40% |
| MARK E HARDY3 | 5444 STATE STREET SAGINAW, MI 48603 | NORTHWESTERN MUTUAL | $895 | $223 | $1K | 4.20% |
| IVAN MATTHEW PERUSKI3 | 5444 STATE STREET SAGINAW, MI 48603 | NORTHWESTERN MUTUAL | $895 | $201 | $1K | 4.12% |
| SEITZINGER FNCL GP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $555 | $49 | $604 | 2.27% |
| GARY J MESSING3 | 114 EAST BROADWAY STREET MT PLEASANT, MI 48858 | NORTHWESTERN MUTUAL | $250 | $59 | $309 | 1.16% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | VISION SERVICE PLAN | $1K | — | $1K | 4.93% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| VALLEY UNITED INSURANCE AGENCY3 | 1108 W JENNY ST BAY CITY, MI 48706 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 17.57% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 11.54% |
| VALLEY UNITED INSURANCE AGENCY3 Filed as: VALLEY UNITED INS AGENCY | 1108 WEST JENNY STREET BAY CITY, MI 48706 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 17.57% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 10.53% |
| VALLEY UNITED INSURANCE AGENCY3 | 1108 WEST JENNY STREET BAY CITY, MI 48706 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 25.39% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $321 | — | $321 | 2.39% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 27.14% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 432 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $266K |
| Vision | VISION SERVICE PLAN | 199 | $26K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $266K |
| Short-term disability | NORTHWESTERN MUTUAL | 205 | $82K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 65 | $46K |
| Other(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.