| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN CLEVENGER3 | 2600 WEST BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $36K | $0 | $36K | 2.32% |
| VAUGHN HURST3 | 2600 WEST BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 0.28% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $24K | 11.68% |
| SYDNEY N. COTTON3 | 1205 MINIATURE COURT ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $698 | $0 | $698 | 2.52% |
| THOMAS DANKO3 Filed as: THOMAS ANTHONY DANKO | 71550 ELDRED ROAD BRUCE TWP, MI 48065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $509 | $0 | $509 | 1.84% |
| KACY A GRUENKEMEYER3 Filed as: KACY A. GRUENKEMEYER | 20 CHEROKEE BOULEVARD, SUITE 306 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | $0 | $178 | 0.64% |
| BRIAN PATRICK KELLY3 | 25900 GREENFIELD, SUITE 414 OAK PARK, MI 48237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 0.31% |
| IAN ANDREW BURT AND OTHER AGENTS3 | 5201 ABINGTON DRIVE TROY, MI 48085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 0.23% |
| JAMES C SNIDER JR3 Filed as: JAMES C. SNIDER JR | 20817 POINT REGATTA DRIVE CORNELIUS, NC 28031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.12% |
| MONIFA LINDO3 | 7140 BUHR STREET DETROIT, MI 48212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.12% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 186 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $203K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $203K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $203K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $230K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $203K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 186 | $1.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.