| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BLVD STE 300 BRIGHTON, MI 48116 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $93K | $0 | $93K | 4.97% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 48307 | SYMETRA LIFE INSURANCE COMPANY | $23K | $9K | $32K | 13.66% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 27.43% |
| SCOTT W DAVIDSON3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 13.19% |
| KERRY L DAVIDSON3 Filed as: KERRY LYNN DAVIDSON | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.50% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MARIE MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $725 | $0 | $725 | 2.66% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA JUNE GARDNER FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 48173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $446 | $0 | $446 | 1.63% |
| HILARY R EBNER3 | 15991 LAUDERDALE AVE BEVERLY HILLS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $395 | $0 | $395 | 1.45% |
| WILLIAM LEY3 Filed as: WILLIAM F WALSH | 35300 W. 13 MILE RD FRANKLIN, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | $0 | $223 | 0.82% |
| GABRIEL G TORREZ3 | 38615 SILKEN GLEN DR NORTHVILLE, MI 48167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | $0 | $175 | 0.64% |
| MORGAN LOEWEN3 | 2940 ST ANDREWS DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | $0 | $119 | 0.44% |
| RENEE M TRUDEAU3 Filed as: RENEE MICHELE TRUDEAU | 31818 PALOMINO WARREN, MI 48093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.23% |
| CAROLYN JEANETTE JACKSON3 | 244 STARR AVE PONTIAC, MI 48341 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.17% |
| EDWARD OTIS WALTER III3 | 3205 VALLEY OAKS DR WHITE LAKE, MI 48383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 483075814 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 4100 OKEMOS ROAD OKEMOS, MI 48864 | $19K |
| AFFILIATED AGENCIES, LLC EIN 80-1256320 AGENT/AGENCY | Insurance agents and brokers Service code 22 | 245 BARCLAY CIRCLE STE 200 ROCHESTER, MI 48307 | $3K |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 461 | $1.9M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 397 | $26K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 285 | $234K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 285 | $234K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 285 | $234K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 285 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.