| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | — | PAN AMERICAN (TPAC) | $37K | — | $37K | 13.00% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 19.82% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVENUE GUNTERSVILLE, AL 35976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.54% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 5.85% |
| DAVID N SOKOL3 Filed as: DAVID NEIL SOKOL | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $1K | $340 | $2K | 5.12% |
| IVAN MATTHEW PERUSKI3 | 5444 STATE STREET SAGINAW, MI 48603 | NORTHWESTERN MUTUAL | $674 | $170 | $844 | 2.56% |
| MARK E HARDY3 | 5444 STATE STREET SAGINAW, MI 48603 | NORTHWESTERN MUTUAL | $674 | $170 | $844 | 2.56% |
| MIRABELLA FNCL GRP LLC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | NORTHWESTERN MUTUAL | $499 | $60 | $559 | 1.69% |
| GARY J MESSING3 | 114 EAST BROADWAY STREET MT PLEASANT, MI 48858 | NORTHWESTERN MUTUAL | $225 | $81 | $306 | 0.93% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $640 | — | $640 | 10.73% |
| DIANNA LYNN ATCHISON3 | 225 EAST DIVISION STREET ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $96 | $227 | 3.81% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DRIVE MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | — | $213 | 3.57% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN STREET MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $3 | $99 | 1.66% |
| JEREMY SAMPSEL3 | 401 HALL STREET SOUTHWEST SUITE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $28 | $46 | 0.77% |
| BALLARD FINANCIAL LLC3 | 17441 MADISON STREET SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.42% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.22% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH ROAD SUITE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.15% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT NORTH JACKSON, MI 49201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 448 | 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) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 865 | $198K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 448 | $118K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 448 | $118K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 448 | $151K |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN (TPAC) | 301 | $284K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 448 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 865 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.