| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT MACQUEEN3 | 2191 TWELVE MILE BERKLEY, MI 48072 | PRIORITY HEALTH INSURANCE COMPANY | $46K | — | $46K | 3.73% |
| SCOTT MACQUEEN3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | PRIORITY HEALTH | $935 | — | $935 | 0.37% |
| MACQUEEN INSURANCE GROUP3 Filed as: MACQUEEN & ASSOCIATES LCC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 5.00% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN & ASSOCIATES | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $947 | $14K | 18.62% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DR MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 7.42% |
| RICHARD LOUIS GARAFOLA3 Filed as: RICHARD LOUIS GAROFOLA | 6503 HERITAGE WEST BLOOMFIELD, MI 48322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.55% |
| JASON RODERICK3 | 2130 28TH ST SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $332 | $3K | 4.51% |
| DIANNA LYNN ATCHISON3 Filed as: DIANNA ATCHISON | 15130 SNOWBERRY CT SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $792 | $2K | 3.25% |
| BENEFIT CHOICES3 Filed as: BENEFIT CHOICES LLC | 1591 JACKSON ST MARNE, MI 49435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.23% |
| DEREK GENE BALLARD3 | 17441 MADISON ST SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $39 | $1K | 1.91% |
| NICHOLAS GARRY3 | 9073 HACKBERRY AVE PLYMOUTH, MI 48170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $172 | $1K | 1.87% |
| MELANDIE HINES3 | 6676 LAKEVIEW BLVD APT 16204 WESTLAND, MI 48322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $844 | — | $844 | 1.12% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $84 | $314 | 0.42% |
| W F HILL AND ASSOCIATES INC3 Filed as: WF HILL AND ASSOCIATES | 600 WEST LAFAYETTE DETROIT, MI 48226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $51 | $118 | 0.16% |
| TATE ALLEN JESKY3 | 8169 HUNTING CT GEORGETOWN, MI 49428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.11% |
| ERIC LAFAYETTE HAMLAR3 | 23223 BELLWOOD DR SOUTHFIELD, MI 48034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $9 | $51 | 0.07% |
| WADYE T GALLANT3 Filed as: WADYE GALLANT | 18151 RAMSGATE LATHRUP VILLAGE, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $9 | $35 | 0.05% |
| PARRISH J PEACHEE3 Filed as: PARRISH PEACHEE | 201 W 103RD ST INDIANAPOLIS, IN 46290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.01% |
| MACQUEEN INSURANCE GROUP3 Filed as: MACQUEEN & ASSOC LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 10.00% |
| MACQUEEN INSURANCE GROUP3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | HERITAGE VISION PLANS INC | $2K | — | $2K | 8.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT CHOICES LLC BROKER | Insurance agents and brokers Service code 22 | 1591 JACKSON ST MARNE, MI 49435 | $0 |
| DEREK GENE BALLARD BROKER | Insurance agents and brokers Service code 22 | 17441 MADISON ST SOUTHFIELD, MI 48076 | $0 |
| DIANNA ATCHISON BROKER | Insurance agents and brokers Service code 22 | 15130 SNOWBERRY CT SPRING LAKE, MI 49456 | $0 |
| ERIC LAFAYETTE HAMLAR BROKER | Insurance agents and brokers Service code 22 | 23223 BELLWORD DR SOUTHFIELD, MI 48034 | $0 |
| HOWARD HOROWITZ BROKER | Insurance agents and brokers Service code 22 | 2610 ALCOTT STREET CARMEL, IN 46032 | $0 |
| JASON RODERICK BROKER | Insurance agents and brokers Service code 22 | 2130 28TH ST SW WYOMING, MI 49519 | $0 |
| MACQUEEN & ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | $0 |
| MELANDIE HINES BROKER | Insurance agents and brokers Service code 22 | 6676 LAKEVIEW BLVD APT 16204 WESTLAND, MI 48185 | $0 |
| NICHOLAS GARRY BROKER | Insurance agents and brokers Service code 22 | 9073 HACKBERRY AVENUE PLYMOUTH, MI 48170 | $0 |
| PARRISH PEACHEE BROKER | Insurance agents and brokers Service code 22 | 201 W 103RD ST INDIANAPOLIS, IN 46290 | $0 |
| RICHARD LOUIS GAROFOLA BROKER | Insurance agents and brokers Service code 22 | 6503 HERITAGE WEST BLOOMFIELD, MI 48322 | $0 |
| TATE ALLEN JESKY BROKER | Insurance agents and brokers Service code 22 | 8169 HUNTING CT GEORGETOWN, MI 49428 | $0 |
| THOMAS DANIEL SCHMIDT BROKER | Insurance agents and brokers Service code 22 | 21608 PINE CONE DR MACOMB, MI 48042 | $0 |
| WADYE GALLANT BROKER | Insurance agents and brokers Service code 22 | 18151 RAMSGATE LATHRUP VILLAGE, MI 48076 | $0 |
| WF HILL AND ASSOCIATES INC BROKER | Insurance agents and brokers Service code 22 | 600 WEST LAFAYETTE DETROIT, MI 48226 | $0 |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 275 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 259 | $95K |
| Vision | HERITAGE VISION PLANS INC | 137 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 248 | $73K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 248 | $149K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 248 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.