| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAQUEL PAULUS3 | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | PRIORITY HEALTH | $22K | — | $22K | 2.01% |
| BRIAN HIRKO3 | 526 MONROE STREET TRAVERSE CITY, MI 49684 | PRIORITY HEALTH | $11K | — | $11K | 1.03% |
| RAQUEL PAULUS3 | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.76% |
| HIGHSTREET INSURANCE SERVICES3 | 305 W FRONT ST, SUITE 201 TRAVERSE CITY, MI 49684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 9.33% |
| FREDERICK ROBB3 | 1244 VALLEY DR TRAVERSE CITY, MI 49685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $730 | $1K | $2K | 4.83% |
| LISA NELSON3 | PO BOX 456 CADILLAC, MI 49601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $296 | $1K | 2.87% |
| MARTIN LOMASNEY3 | 817 WEBSTER ST TRAVERSE CITY, MI 49686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.22% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $484 | $344 | $828 | 1.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHAEL DAVID BROWN | 431 PRINCETON AVE ALPENA, MI 49707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336 | $308 | $644 | 1.40% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY JOHN LOWRAN | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $308 | $535 | 1.16% |
| JEREMY SAMPSEL3 | 401 HALL ST SW STE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $77 | $255 | 0.55% |
| RONNY ANN WARNER3 | 470 E WHITBECK ST KUNA, ID 83634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | $3 | $168 | 0.36% |
| MICHAEL EDWARD HOOVER3 | 206 LAKE ST ELK RAPIDS, MI 49629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.34% |
| EMILY ANNE CROSS3 | 2741 E BLACKHURST RD MIDLAND, MI 48642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $39 | $114 | 0.25% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.18% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.15% |
| DAVID DALE TALBOT3 | 2755 GRANT ST APT B ALPENA, MI 49707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $25 | $50 | 0.11% |
| AMY W SYLVAIN3 Filed as: AMY WILKINSON SYLVAIN | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| PATRICIA GROGAN3 Filed as: PATRICIA ANN GROGAN | 430 RIVER POINTE PKWY KINGSFORD, MI 49802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 3707 ANITA AVE PASADENA, CA 91107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KENNETH JAMES BOWERY3 | 3090 MAIN ST STE 2 MARLETTE, MI 48453 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HIGHSTREET INSURANCE SERVICES3 | 305 W FRONT ST, SUITE 201 TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $1K | — | $1K | 5.24% |
| FREDERICK ROBB3 | 1244 VALLEY DR TRAVERSE CITY, MI 49685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $757 | $2K | $2K | 16.04% |
| HIGHSTREET INSURANCE SERVICES3 | 305 W FRONT ST STE 201 TRAVERSE CITY, MI 49684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHAEL DAVID BROWN | 431 PRINCETON AVE ALPENA, MI 49707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $235 | $491 | 3.41% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $162 | $389 | 2.70% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY JOHN LOWRAN | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $180 | $313 | 2.17% |
| MARTIN LOMASNEY3 | 817 WEBSTER ST TRAVERSE CITY, MI 49686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | — | $256 | 1.78% |
| LISA NELSON3 | PO BOX 456 CADILLAC, MI 49601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $23 | $104 | 0.72% |
| JEREMY SAMPSEL3 | 401 HALL ST SW, STE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $37 | $101 | 0.70% |
| MICHAEL EDWARD HOOVER3 | 206 LAKE ST ELK RAPIDS, MI 49629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.32% |
| DAVID DALE TALBOT3 | 2755 GRANT ST APT B ALPENA, MI 49707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $20 | $39 | 0.27% |
| AMY E COHEN3 | 19967 VILLA LANTE PL BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $4 | $36 | 0.25% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.22% |
| RONNY ANN WARNER3 | 470 E WHITBECK ST KUNA, ID 83634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.17% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.14% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $12 | $17 | 0.12% |
| EMILY ANNE CROSS3 | 2741 E BLACKHERST RD MIDLAND, MI 48642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.06% |
| HIGHSTREET INSURANCE SERVICES3 | 305 W FRONT ST. SUITE 201 TRAVERSE CITY, MI 49684 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $961 | $0 | $961 | 13.79% |
| WRIGHT & ASSOCIATES INSURANCE GROUP3 Filed as: WRIGHT ASSOCIATES INSURANCE | 401 W. FRONT ST. TRAVERSE CITY, MI 49686 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $320 | $320 | 4.59% |
| HIGHSTREET INSURANCE SERVICES3 | 305 W FRONT ST, SUITE 201 TRAVERSE CITY, MI 49684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 8.01% |
| MICHAEL EDWARD HOOVER3 | 206 LAKE STREET ELK RAPIDS, MI 49629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.41% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.27% |
| RONNY ANN WARNER3 | 470 E WHITBECK ST. KUNA, ID 83634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.27% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.14% |
| JEREMY SAMPSEL3 | 401 HALL ST SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.14% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 192 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 244 | $80K |
| Vision | VISION SERVICE PLAN | 128 | $23K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 273 | $7K |
| Short-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $61K |
| Other(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.