| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE STE. 200 ROCHESTER HILLS, MI 481168068 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $102K | $0 | $102K | 4.95% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 483075814 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $12K | $30K | 10.30% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 483075814 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.09% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.61% |
| SCOTT W DAVIDSON3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 481689539 | CONTINENTAL AMERICAN INSURANCE COMPANY | $413 | $0 | $413 | 1.90% |
| KERRY L DAVIDSON3 Filed as: KERRY LYNN DAVIDSON | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 481689539 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | $0 | $117 | 0.54% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA JUNE GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 481738634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 0.39% |
| HILARY R EBNER3 | 15991 LAUDERDALE AVE BEVERLY HILLS, MI 480255669 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.31% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA JUNE GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 481738634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.27% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MARIE MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 480812430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.21% |
| GABRIEL G TORREZ3 | 38615 SILKEN GLEN DR NORTHVILLE, MI 48167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.12% |
| SHAUN M KLUG3 Filed as: SHAUN MICHAEL KLUG | 957 HILLANDALE RD BENTON HARBOR, MI 490229723 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.10% |
| MORGAN LOEWEN3 | 2940 ST ANDREWS DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.08% |
| RENEE M TRUDEAU3 Filed as: RENEE MICHELE TRUDEAU | 9331 US HIGHWAY 12 BROOKLYN, MI 492309246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.07% |
| CAROLYN JEANETTE JACKSON3 | 244 STARR AVE PONTIAC, MI 48341 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 448 | $2.1M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 399 | $24K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 617 | $292K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 617 | $292K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 617 | $292K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 32 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.