| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN & ASSOCIATES | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | PRIORITY HEALTH INSURANCE COMPANY | $43K | — | $43K | 3.75% |
| MACQUEEN INSURANCE GROUP3 Filed as: MACQUEEN & ASSOCI | 2191 TWELVE MILE RD BERKLEY, MI 48072 | PRIORITY HEALTH | $10K | — | $10K | 3.70% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN & ASSOCIATES | 2191 12 MILE ROAD BERKLEY, MI 48072 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 5.03% |
| MACQUEEN INSURANCE GROUP3 Filed as: MACQUEEN & ASSOC LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | HARTFORD LIFE AND ACCIDENT | $8K | $5K | $13K | 16.83% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 12.21% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DR MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $316 | $1K | 2.51% |
| DIANNA LYNN ATCHISON3 Filed as: DIANNA ATCHISON | 15130 SNOWBERRY CT SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $735 | $45 | $780 | 1.45% |
| RICHARD LOUIS GARAFOLA3 Filed as: RICHARD GAROFOLA | 22734 ARCADIA BLFS SOUTH LYON, MI 48178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $774 | $0 | $774 | 1.44% |
| JASON RODERICK3 | 2130 28TH ST SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $640 | $64 | $704 | 1.31% |
| DEREK GENE BALLARD3 | 17441 MADISON ST SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | $49 | $510 | 0.95% |
| NICHOLAS GARRY3 | 9073 HACKBERRY AVE PLYMOUTH, MI 48170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | $22 | $353 | 0.66% |
| BENEFIT CHOICES3 Filed as: BENEFIT CHOICES LLC | 1591 JACKSON ST MARNE, MI 49435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | $0 | $294 | 0.55% |
| MELANIE HINES3 | 6676 LAKEVIEW BLVD APT 16204 WESTLAND, MI 48185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 0.22% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $27 | $97 | 0.18% |
| W F HILL AND ASSOCIATES INC3 | 600 WEST LAFAYETTE DETROIT, MI 48226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $16 | $30 | 0.06% |
| TATE ALLEN JESKY3 | 8169 HUNTING CT GEORGETOWN, MI 49428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.03% |
| WADYE T GALLANT3 | 18151 RAMSGATE LATHRUP VILLAGE, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.01% |
| ERIC LAFAYETTE HAMLAR3 | 23223 BELLWOOD DR SOUTHFIELD, MI 48034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.01% |
| PARRISH J PEACHEE3 Filed as: PARRISH PEACHEE | 136 NORTH UNION STREET WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MACQUEEN INSURANCE GROUP3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | HERITAGE VISION PLANS INC | $2K | — | $2K | 10.00% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN & ASSOCIATES, LLC | 2191 12 MILE ROAD BERKLEY, MI 48072 | DELTA DENTAL OF MICHIGAN | $813 | — | $813 | 5.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT CHOICES AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| DEREK GENE BALLARD AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| DIANNA LYNN ATCHISON AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| ERIC LAFAYETTE HAMLAR AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| HOWARD HOROWITZ BROKER | Insurance agents and brokers Service code 22 | — | $0 |
| JASON RODERICK AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| MACQUEEN & ASSOCIATES LLC BROKER | Insurance agents and brokers Service code 22 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | $0 |
| MELANIE HINES AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| NICHOLAS GARRY AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| PARRISH PEACHEE AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| RICHARD LOUIS GAROFOLA AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| TATE ALLEN JESKY AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| THOMAS DANIEL SCHMIDT AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| W F HILL AND ASSOCIATES AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| WADYE T GALLANT AGENT | Insurance agents and brokers Service code 22 | — | $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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 227 | $1.4M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 248 | $122K |
| Vision | HERITAGE VISION PLANS INC | 10 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 220 | $77K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 220 | $130K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 220 | $77K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 93 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.