| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BLVD STE 300 BRIGHTON, MI 48116 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $95K | $0 | $95K | 4.97% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 483075814 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 6.85% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 48307 | DELTA DENTAL | $3K | $0 | $3K | 1.70% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 483075814 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $5K | $12K | 17.43% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.29% |
| SCOTT W DAVIDSON3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 481689539 | CONTINENTAL AMERICAN INSURANCE COMPANY | $589 | $0 | $589 | 2.52% |
| KERRY L DAVIDSON3 Filed as: KERRY LYNN DAVIDSON | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 481689539 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | $0 | $187 | 0.80% |
| HILARY R EBNER3 | 15991 LAUDERDALE AVE BEVERLY HILLS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | $0 | $118 | 0.50% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA JUNE GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 481738634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | $0 | $66 | 0.28% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MARIE MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 480812430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.21% |
| SHAUN M KLUG3 Filed as: SHAUN MICHAEL KLUG | 957 HILLANDALE RD BENTON HARBOR, MI 490229723 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.20% |
| GABRIEL G TORREZ3 | 38615 SILKEN GLEN DR NORTHVILLE, MI 48167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.13% |
| MORGAN LOEWEN3 | 2940 ST ANDREWS DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.08% |
| RENEE M TRUDEAU3 Filed as: RENEE MICHELE TRUDEAU | 9331 US HIGHWAY 12 BROOKLYN, MI 492309246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.07% |
| CAROLYN JEANETTE JACKSON3 | 244 STARR AVE PONTIAC, MI 48341 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| EDWARD OTIS WALTER III3 | 3205 VALLEY OAKS DR WHITE LAKE, MI 483833447 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 442 | $1.9M |
| Dental | DELTA DENTAL | 457 | $181K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 393 | $68K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 574 | $301K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 574 | $301K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 574 | $301K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 8 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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.