| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN N. HIRKO3 | 526 MONROE STREET TRAVERSE CITY, MI 49684 | PRIORITY HEALTH | $22K | — | $22K | 1.76% |
| BRANDON M. DARIN3 | 305 W. FRONT STREET TRAVERSE CITY, MI 49684 | PRIORITY HEALTH | $16K | — | $16K | 1.28% |
| HIGHSTREET INSURANCE SERVICES3 | GREAT LAKES INC 305 W FRONT ST STE 201 TRAVERSE CITY, MI 496842337 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.08% |
| HIGH POINT ALLIANCE3 Filed as: HIGH STREET INSURANCE PARTNERS | 305 W FRONT ST STE 201 TRAVERSE CITY, MI 496842338 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.02% |
| FREDERICK ROBB3 | 1244 VALLEY DR TRAVERSE CITY, MI 49685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 7.48% |
| HIGHSTREET INSURANCE SERVICES3 | 305 W FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 7.37% |
| KIMBERLY ELLIOTT3 | 611 BIRCHWOOD AVE TRAVERSE CITY, MI 49686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $636 | $2K | 3.69% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 SPYGLASS HILLS DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $708 | $363 | $1K | 1.72% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY JOHN LOWRAN | 956 WALKABOUT LN TRAVERSE CITY, MI 49684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | $89 | $402 | 0.65% |
| JEREMY SAMPSEL3 | 401 HALL ST SW STE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $134 | $370 | 0.59% |
| LISA NELSON3 | PO BOX 456 CADILLAC, MI 49601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $0 | $195 | 0.31% |
| MARK DAUGHERTY3 | PO BOX 119 ROCKY TOP, TN 37769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $26 | $189 | 0.30% |
| MARTIN LOMASNEY3 | 817 WEBSTER ST TRAVERSE C TRAVERSE CITY, MI 49686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $0 | $179 | 0.29% |
| RONNY ANN WARNER3 | 470 E WHITBECK ST KUNA, ID 83634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.21% |
| AMY E COHEN3 | 19967 VILLA LANTE PL BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $11 | $105 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHAEL DAVID BROWN | 431 PRINCETON AVE ALPENA, MI 49707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.11% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.10% |
| SHAMROCK BENEFITS LLC3 | 3641 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.09% |
| MICHAEL EDWARD HOOVER3 | 206 LAKE STREET ELK RAPIDS, MI 49629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.07% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $25 | $39 | 0.06% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $5 | $35 | 0.06% |
| JOSHUA JAMES HAYES3 | 4540 LEE PIKE SODDY DAISY, TN 37379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $16 | $28 | 0.04% |
| RYAN JAMES VETACK3 | 2710 DOUBLE TREE WAY SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $15 | $27 | 0.04% |
| EMILY ANNE CROSS3 | 2741 E BLACKHURST RD MIDLAND, MI 48642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.02% |
| DAVID DALE TALBOT3 | 2755 GRANT ST APT B ALPENA, MI 49707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | 0.01% |
| BRANDON MARCELLO CENTO3 | 13816 FERNLEAF WAY CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| HIGHSTREET INSURANCE SERVICES3 | 305 W FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 6.79% |
| FREDERICK ROBB3 | 1244 VALLEY DR TRAVERSE CITY, MI 49685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | $709 | $1K | 6.42% |
| KIMBERLY ELLIOTT3 | 611 BIRCHWOOD AVE TRAVERSE CITY, MI 49686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | $134 | $482 | 2.58% |
| MARKS BENEFIT MANAGEMENT LLC3 Filed as: MARKS BENEFIT MANAGEMENT, LLC | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $91 | $279 | 1.49% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY JOHN LOWRAN | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $23 | $105 | 0.56% |
| JEREMY SAMPSEL3 | 401 HALL ST SW, STE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $34 | $98 | 0.52% |
| AMY E COHEN3 | 19967 VILLA LANTE PL BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $7 | $71 | 0.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHAEL DAVID BROWN | 431 PRINCETON AVE ALPENA, MI 49707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.33% |
| MARTIN LOMASNEY3 | 817 WEBSTER ST TRAVERSE CITY, MI 49686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.29% |
| EDGHILL ENTERPRISES LLC3 | 2701 N 70TH ST APT D87 LINCOLN, NE 68507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $3 | $30 | 0.16% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.14% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $16 | $25 | 0.13% |
| RONNY ANN WARNER3 | 470 E WHITBECK ST KUNA, ID 83634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.11% |
| MICHAEL EDWARD HOOVER3 | 206 LAKE ST ELK RAPIDS, MI 49629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.10% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.09% |
| DAVID DALE TALBOT3 | 2755 GRANT ST APT B ALPENA, MI 49707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.04% |
| HOVIE AGENCY LLC3 Filed as: HOVIE AGENCY, LLC | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.03% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 213 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 409 | $107K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 409 | $107K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 409 | $107K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $81K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.