| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | PRIORITY HEALTH INSURANCE COMPANY | $88K | — | $88K | 3.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH STREE SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 22.43% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 20.16% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY MESSENGER | 4200 WEST MICHIGAN AVE KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 17.79% |
| MELISSA A BRINKER3 Filed as: MELISSA BRINKER | 8150 CORPORATE PARK DRIVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $720 | — | $720 | 10.77% |
| BETHANY M MCDADE3 Filed as: BETHANY MCDADE | 546 N DARTMOUTH KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $443 | — | $443 | 6.62% |
| SHANA WOLF3 | 11260 CHESTER RD CINCINNATI, OH 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $383 | — | $383 | 5.73% |
| STEVEN MILLER3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $230 | — | $230 | 3.44% |
| SARAH E MEANY3 Filed as: SARAH MEANY | 2710 HAMPSHIRE BLVD SE GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 2.53% |
| ERIC J CONDRON3 Filed as: ERIC CONDRON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | — | $135 | 2.02% |
| STEVEN HORSTMAN3 | 4998 BARNSBY LANE CINCINNATI, OH 45244 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 1.30% |
| BRIAN DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 1.00% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.99% |
| CHRISTOPHER E BIALKA3 Filed as: CHRISTOPHER BIALKA | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.94% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.85% |
| MICHAEL AISSEN3 | 920 HOLCOMB BRIDGE RD SUITE 200 ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.79% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE STE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.57% |
| LINDA R MENDEZ3 Filed as: LINDA MENDEZ | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.54% |
| JAMES J GRETHEL3 Filed as: JAMES GRETHEL | 865 CEDAR DR LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.43% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.37% |
| JIM M BULLOCK3 Filed as: JIM BULLOCK | 3715 POWDERHORN DR OKEMOS, MA 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.18% |
| JEREMY SAMPSEL3 | 3030 9TH ST KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.16% |
| IAN B BRANYON3 Filed as: IAN BRANYON | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| RONALD J ZULLO3 Filed as: RONALD ZULLO | 6700 TOWERING RIDGE WAY CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| EDWARD O WALTER III3 Filed as: EDWARD WALTER | PO BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| SHAWN M MCDERMOTT3 Filed as: SHAWN MCDERMOTT | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 4112 W OAKELLAR AVE TAMPA, FL 33611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ROBERT L PARSONS3 Filed as: ROBERT PARSONS | 4130 WEST D AVE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 504 | 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) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 504 | $2.9M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 57 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.