| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM M. ERNST3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | PRIORITY HEALTH | $48K | $0 | $48K | 4.00% |
| TIM M. ERNST3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | PRIORITY HEALTH INSURANCE COMPANY | $5K | $0 | $5K | 4.00% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $3K | $7K | 8.18% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35 WALL TOWNSHIP, NJ 07719 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.14% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 9.99% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $1K | $0 | $1K | 4.31% |
| STEPHEN GRACIN3 Filed as: STEPHEN A. GRACIN AND OTHER AGENTS | 625 E BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | AFLAC | $825 | $10 | $835 | 2.86% |
| GREG A GOULD3 Filed as: GREG A. GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $594 | $0 | $594 | 2.04% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BEN. EXCHANGE AGENCY | 550 FOREST AVENUE, SUITE 15-2 PLYMOUTH, MI 48170 | AFLAC | $487 | $0 | $487 | 1.67% |
| CAROLYN C MILROY3 Filed as: CAROLYN C. MILROY | 45223 LEMONT ROAD CANTON, MI 48187 | AFLAC | $459 | $0 | $459 | 1.57% |
| MARK A LINSNER3 Filed as: MARK A. LISNER | 10375 CENTURION PARKWAY NORTH SUITE 100 JACKSONVILLE, FL 32256 | AFLAC | $217 | $0 | $217 | 0.74% |
| ALAN BERGMANN3 Filed as: ALAN W. BERGMANN | 461 COKESBURY DRIVE THE VILLAGES, FL 32162 | AFLAC | $114 | $0 | $114 | 0.39% |
| MJ INSURANCE3 Filed as: ALAN W. BERGMANN AND VARIOUS AGENTS | 461 COKESBURY DRIVE THE VILLAGES, FL 32162 | AFLAC | $850 | $16 | $866 | 3.20% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $736 | $0 | $736 | 2.72% |
| CAROLYN C MILROY3 Filed as: CAROLYN C. MILROY | 45223 LEMONT ROAD CANTON, MI 48187 | AFLAC | $474 | $0 | $474 | 1.75% |
| GREG A GOULD3 Filed as: GREG A. GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $279 | $0 | $279 | 1.03% |
| MARK A LINSNER3 Filed as: MARK A. LISNER | 10375 CENTURION PARKWAY NORTH SUITE 100 JACKSONVILLE, FL 32256 | AFLAC | $271 | $0 | $271 | 1.00% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BEN. EXCHANGE AGENCY | 550 FOREST AVENUE, SUITE 15-2 PLYMOUTH, MI 48170 | AFLAC | $204 | $0 | $204 | 0.75% |
| JEANNETTE SUE FOKSINSKI3 | 601 ABBOTT STREET DETROIT, MI 48226 | AFLAC | $192 | $0 | $192 | 0.71% |
| SCHILLER & ASSOCIATES LLC4 Filed as: SCHILLER AND ASSOCIATES, LLC | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $479 | $0 | $479 | 10.88% |
| ANTHONY P PETRILL4 Filed as: ANTHONY P. PETRILL | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $63 | $0 | $63 | 1.43% |
| JOHN MANOS4 | 10940 BRISTOL BAY DRIVE APARTMENT 407 BRADENTON, FL 34209 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $20 | $0 | $20 | 0.45% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 98 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $88K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $88K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $81K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $81K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $81K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 98 | $1.3M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.