| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALTON AGENCY, INC. Filed as: WALTON AGENCY | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | AMERITAS LIFE INSURANCE | $3K | $224 | $3K | 3.84% |
| WALTON AGENCY, INC. Filed as: WALTON AGENCY | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | MICHIGAN MANUFACTURER'S ASSN | $4K | — | $4K | 10.04% |
| MICHIGAN CHAMBER SERVICES, INC. Filed as: MICHIGAN MANUFACTURER'S ASSN | 620 CAPITOL AVE LANSING, MI 48933 | MICHIGAN MANUFACTURER'S ASSN | — | $27 | $27 | 0.06% |
| JOSEPH N HARRIS3 Filed as: JOSEPH HARRIS | PO BOX 3029 JACKSON, MI 49204 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | — |
| WALTON AGENCY, INC.3 Filed as: WALTON AGENCY | PO BOX 3029 JACKSON, MI 49204 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $160 | $160 | — |
| JOSEPH N HARRIS3 Filed as: JOSEPH HARRIS | PO BOX 3029 JACKSON, MI 49204 | BLUE CARE NETWORK | $23K | — | $23K | — |
| WALTON AGENCY, INC.3 Filed as: WALTON AGENCY | PO BOX 3029 JACKSON MI, MI 49204 | BLUE CARE NETWORK | — | $1K | $1K | — |
| WALTON AGENCY, INC. Filed as: WALTON AGENCY | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| LAURA ANN MARSHALL | 206 THIRD STREET CONCORD, MI 49237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $766 | $694 | $1K | — |
| WALTON AGENCY, INC. Filed as: WALTON AGENCY | PO BOX 3029 JACKSON, MI 49204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $645 | — | $645 | — |
| WILLIAM OLIVER LAMB | 9404 PINEVIEW CT DAVISON, MI 48423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $69 | $232 | — |
| DIANNA LYNN ATCHISON | 15130 SNOWBERRY CT SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | — |
| 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 | — |
| LAURA ANN MARSHALL | 206 THIRD STREET CONCORD, MI 49237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $657 | $664 | $1K | — |
| WALTON AGENCY, INC.3 Filed as: WALTON AGENCY | PO BOX 3029 JACKSON MI, MI 49204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | — | $551 | — |
| WILLIAM OLIVER LAMB Filed as: WILLIAM OLIVER LAMP | 9404 PINEVIEW CT DAVISON, MI 48423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $36 | $122 | — |
| DIANNA LYNN ATCHISON | 15130 SNOWBERRY CT SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | — |
| LAURA ANN MARSHALL | 206 THIRD STREET CONCORD, MI 49237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | — | $198 | — |
| DIANNA LYNN ATCHISON | 15130 SNOWBERRY CT SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | — |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 244 | $0 |
| Dental | AMERITAS LIFE INSURANCE | 264 | $84K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 166 | $0 |
| Life insurance(5 contracts, 2 carriers) | MICHIGAN MANUFACTURER'S ASSN | 142 | $42K |
| Short-term disability(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 0 | $0 |
| Long-term disability | MICHIGAN MANUFACTURER'S ASSN | 142 | $42K |
| Other | MICHIGAN MANUFACTURER'S ASSN | 142 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.