| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAUGHN HURST3 | 2600 WEST BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $32K | $0 | $32K | 3.90% |
| USI INSURANCE SERVICES LLC3 | 3333 DEPOSIT DRIVE NE, SUITE 230 GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $0 | $468 | $468 | 0.06% |
| VAUGHN HURST3 | 2600 WEST BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | $0 | $18K | 4.46% |
| USI INSURANCE SERVICES LLC3 | 3333 DEPOSIT DRIVE NE, SUITE 230 GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $198 | $198 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 333 BRIDGE STREET AVENUE NW SUITE 400 GRAND RAPIDS, MI 49504 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $4K | $22K | 12.01% |
| SYDNEY COTTON3 Filed as: SYDNEY NICOLE COTTON | 1205 MINIATURE COURT ROCHESTER HILLS, MI 48307 | AFLAC | $8K | $235 | $8K | 9.39% |
| TERRI ZYRD3 Filed as: TERRI L. ZRYD | 3159 ABBOTTSFORD ROAD RUBY, MI 48049 | AFLAC | $4K | $323 | $4K | 4.76% |
| SHAUN M KLUG3 Filed as: SHAUN M. KLUG | 46389 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $1K | $50 | $1K | 1.31% |
| THOMAS DANKO3 Filed as: THOMAS A. DANKO AND OTHER AGENTS | 71550 ELDRED ROAD BRUCE TOWNSHIP, MI 48065 | AFLAC | $994 | $0 | $994 | 1.18% |
| KARLA COCKING3 | 5338 JAMESTOWN ROAD GRAND BLANC, MI 48439 | AFLAC | $624 | $0 | $624 | 0.74% |
| SHAUN M KLUG3 Filed as: SHAUN M. KLUG | 48187 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $436 | $0 | $436 | 0.52% |
| DAVID JOHNSON3 | 28 1ST STREET MOUNT CLEMENS, MI 48043 | AFLAC | $226 | $0 | $226 | 0.27% |
| SYDNEY N. COTTON3 | 625 EAST BIG BEAVER, SUITE 103 TROY, MI 48083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $783 | $0 | $783 | 5.68% |
| THOMAS DANKO3 Filed as: THOMAS ANTHONY DANKO | 71550 ELDRED ROAD BRUCE TOWNSHIP, MI 48065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $498 | $0 | $498 | 3.61% |
| KACY A GRUENKEMEYER3 Filed as: KACY A. GRUENKEMEYER | 20 CHEROKEE BOULEVARD, SUITE 306 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | $0 | $174 | 1.26% |
| BRIAN PATRICK KELLY3 | 25900 GREENFIELD, SUITE 414 OAK PARK, MI 48237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | $0 | $81 | 0.59% |
| IAN ANDREW BURT AND OTHER AGENTS3 | 5201 ABINGTON DRIVE TROY, MI 48085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.57% |
| JAMES C SNIDER JR3 Filed as: JAMES C. SNIDER, JR. | 20817 POINT REGATTA DRIVE COMELIUS, NC 28031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.25% |
| MONIFA LINDO3 | 7140 BUHR STREET DETROIT, MI 48212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.24% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 122 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $181K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $181K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $181K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $195K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $181K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 122 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $265K |
| 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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.