| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHELBY GROUP INC3 Filed as: SHELBY A RENDAZZO | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $38K | — | $38K | 2.09% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.16% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $3K | $19K | 6.73% |
| DAVID N SOKOL3 Filed as: DAVID NEIL SOKOL | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $2K | $506 | $2K | 5.17% |
| MARK E HARDY3 | 5444 STATE STREET SAGINAW, MI 48603 | NORTHWESTERN MUTUAL | $991 | $253 | $1K | 2.58% |
| IVAN MATTHEW PERUSKI3 | 5444 STATE STREET SAGINAW, MI 48603 | NORTHWESTERN MUTUAL | $991 | $229 | $1K | 2.53% |
| SEITZINGER FNCL GP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $735 | $65 | $800 | 1.66% |
| GARY J MESSING3 | 114 EAST BROADWAY STREET MT PLEASANT, MI 48858 | NORTHWESTERN MUTUAL | $330 | $78 | $408 | 0.85% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | VISION SERVICE PLAN | $1K | — | $1K | 4.83% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 15.01% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 22.94% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 22.98% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 18.35% |
| DAVID N SOKOL3 Filed as: DAVID NEIL SOKOL | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $14 | $4 | $18 | 5.71% |
| MARK E HARDY3 | 5444 STATE STREET SAGINAW, MI 48603 | NORTHWESTERN MUTUAL | $7 | $2 | $9 | 2.86% |
| IVAN MATTHEW PERUSKI3 | 5444 STATE STREET SAGINAW, MI 48603 | NORTHWESTERN MUTUAL | $7 | $2 | $9 | 2.86% |
| SEITZINGER FNCL GP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $5 | — | $5 | 1.59% |
| GARY J MESSING3 | 114 EAST BROADWAY STREET MT PLEASANT, MI 48858 | NORTHWESTERN MUTUAL | $2 | $1 | $3 | 0.95% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 451 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $290K |
| Vision | VISION SERVICE PLAN | 216 | $28K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $290K |
| Short-term disability | NORTHWESTERN MUTUAL | 15 | $315 |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 64 | $69K |
| Other(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.