| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN N. HIRKO3 | 526 MONROE STREET TRAVERSE CITY, MI 49684 | PRIORITY HEALTH | $29K | $0 | $29K | 4.06% |
| HIGHSTREET INSURANCE SERVICES3 | 305 WEST FRONT STREET TRAVERSE CITY, MI 49684 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $692 | $9K | 11.08% |
| HIGHSTREET INS SERVICES GREAT LAKE3 | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 6.20% |
| HIGHSTREET INS SERVICES GREAT LAKE3 | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.03% |
| KIMBERLEE DIEL3 | 5841 DOVER LANE TRAVERSE CITY, MI 49685 | AFLAC | $48 | $0 | $48 | 3.35% |
| MARY K. MOONEY3 | 6300 SOUTH GOOD HARBOR TRAIL CEDAR, MI 49621 | AFLAC | $47 | $0 | $47 | 3.28% |
| CHRISTOPHER J CHARLAND3 Filed as: CHRISTOPHER J. CHARLAND | 1004 LOCUST STREET TRAVERSE CITY, MI 49684 | AFLAC | $26 | $0 | $26 | 1.81% |
| RUSSELL H WIDDIS3 Filed as: RUSSELL H. WIDDIS | 1516 FERRY STREET NILES, MI 49120 | AFLAC | $16 | $0 | $16 | 1.12% |
| MATTHEW THOMAS NEMODE3 | 815 EAST MIDLAND STREET BAY CITY, MI 48706 | AFLAC | $13 | $0 | $13 | 0.91% |
| FREDERICK A AXE3 Filed as: FREDERICK A. AXE | 108 SPURAWAY DRIVE SAN MATEO, CA 94403 | AFLAC | $10 | $0 | $10 | 0.70% |
| DOUGLAS EDWARD FOX AND OTHER AGENTS3 | 6836 THAYER LAKE DRIVE ALDEN, MI 49612 | AFLAC | $10 | $0 | $10 | 0.70% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 160 | $727K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 181 | $82K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 110 | $17K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $85K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $84K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $84K |
| Prescription drug | PRIORITY HEALTH | 160 | $727K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.