| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALTON AGENCY, INC. Filed as: WALTON INSURANCE AGENCY | PO BOX 3029 JACKSON, MI 49204 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 3.94% |
| WALTON AGENCY, INC. Filed as: WALTON AGENCY | 2929 SPRING ARBOR ROAD JACKSON, MI 492033609 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 3.67% |
| WALTON AGENCY, INC. Filed as: WALTON AGENCY | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | MICHIGAN MANUFACTURER'S ASSOCIATION | $4K | — | $4K | 10.32% |
| MICHIGAN CHAMBER SERVICES, INC. Filed as: MICHIGAN MANUFACTURERS ASSOCIATION | 620 S CAPITOL AVE LANSING, MI 48933 | MICHIGAN MANUFACTURER'S ASSOCIATION | — | $2K | $2K | 4.75% |
| WALTON AGENCY, INC. | 2929 SPRING ARBOR JACKSON, MI 492033609 | EYEMED | $2K | $2K | $4K | 45.94% |
| JOSEPH N HARRIS Filed as: JOSEPH HARRIS | PO BOX 3029 JACKSON, MI 49204 | PRIORITY HEALTH | — | — | $0 | 0.00% |
| LAURA ANN MARSHALL | 206 THIRD STREET CONCORD, MI 49237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | — | $199 | — |
| DIANNA LYNN ATCHISON | 15130 SNOWBERRY CT SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | — |
| WALTON AGENCY, INC. Filed as: WALTON INSURANCE AGENCY | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | — |
| LAURA ANN MARSHALL | 206 THIRD STREET CONCORD, MI 49237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | — | $297 | — |
| DIANNA LYNN ATCHISON | 15130 SNOWBERRY CT SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | — |
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 | 133 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 27 | $109K |
| Dental | AMERITAS LIFE INSURANCE CORP | 248 | $80K |
| Vision | EYEMED | 142 | $9K |
| Life insurance | MICHIGAN MANUFACTURER'S ASSOCIATION | 133 | $41K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 14 | $0 |
| Long-term disability | MICHIGAN MANUFACTURER'S ASSOCIATION | 133 | $41K |
| Other | MICHIGAN MANUFACTURER'S ASSOCIATION | 133 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.