| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICOLE DRENGBERG3 Filed as: NICOLE E DRENGBERG | 18275 NELSON RD SAINT CHARLES, MI 48655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.41% |
| DUANE EDWARD WILSON3 Filed as: DUANE E WILSON | 4370 N PORTSMOUTH RD SAGINAW, MI 48601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.20% |
| JASON L GLICK3 | 7628 GRATIOT RD STE 101 SAGINAW, MI 48609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.12% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW T NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $870 | $0 | $870 | 1.51% |
| STEPHANIE L KESSELRING3 | 4112 W OAKELLAR AVE TAMPA, FL 33611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.06% |
| HEATHER A DOLLIVER3 | 212 W SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.03% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $262 | $3K | 8.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $184 | $4K | 15.75% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $59K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 268 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.