| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT MACQUEEN3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | PRIORITY HEALTH INSURANCE COMPANY | $45K | — | $45K | 3.98% |
| SCOTT MACQUEEN3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | PRIORITY HEALTH | $13K | — | $13K | 3.74% |
| MACQUEEN INSURANCE GROUP3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 5.20% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.17% |
| ANGEL BENEFITS UNLIMITED INC3 | 31915 WEST 14 MILE ROAD FARMINGTON HILLS, MI 48334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $983 | $2K | 4.79% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DR MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $8 | $2K | 3.65% |
| DIANNA LYNN ATCHISON3 | 15130 SNOWBERRY SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $771 | $20 | $791 | 1.58% |
| JASON RODERICK3 | 2130 28TH ST SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | — | $335 | 0.67% |
| JAMES A KERN3 Filed as: JAMES KERN | 4300 12 OAKS CRESCENT DR NOVI, MI 48377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $121 | $227 | 0.45% |
| BALLARD FINANCIAL LLC3 | 17441 MADISON ST SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.17% |
| DEREK GENE BALLARD3 | 17441 MADISON ST SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.15% |
| NICHOLAS GARRY3 | 9073 HACKBERRY AVE PLYMOUTH, MI 48170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.14% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DR MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $17 | $41 | 0.08% |
| W F HILL AND ASSOCIATES INC3 | 600 WEST LAFAYETTE DETROIT, MI 48226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $17 | $32 | 0.06% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| CHARLES ALLEN PINKERTON3 | 2653 CADES COVE BRIGHTON, MI 48114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| MACQUEEN INSURANCE GROUP3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | HERITAGE VISION PLANS INC | $2K | — | $2K | 10.31% |
| MACQUEEN INSURANCE GROUP3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | DELTA DENTAL OF MICHIGAN | $772 | — | $772 | 5.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANGEL BENEFITS UNLMITED AGENT | Insurance agents and brokers Service code 22 | 31915 WEST 14 MILE ROAD FARMINGTON HILLS, MI 48334 | $0 |
| BALLARD FINANCIAL LLC AGENT | Insurance agents and brokers Service code 22 | 17441 MADISON ST SOUTHFIELD, MI 48076 | $0 |
| CHARLES PINKERTON AGENT | Insurance agents and brokers Service code 22 | 2653 CADES COVE BRIGHTON, MI 48114 | $0 |
| DEREK GENE BALLARD AGENT | Insurance agents and brokers Service code 22 | 17441 MADISON ST SOUTHFIELD, MI 48076 | $0 |
| DIANNA LYNN ATCHISON AGENT | Insurance agents and brokers Service code 22 | 15130 SNOWBERRY CT SPRING LAKE, MI 49546 | $0 |
| EVETTE SUSAN KENDZIERSKI AGENT | Insurance agents and brokers Service code 22 | 22596 CLEARWATER DR MACOMB, MI 48377 | $0 |
| HOWARD HOROWITZ AGENT | Insurance agents and brokers Service code 22 | 2610 ALCOTT STREET CARMEL, IN 46032 | $0 |
| JAMES KERN AGENT | Insurance agents and brokers Service code 22 | 43000 12 OAKS CRESCENT DRIVE NOVI, MI 48377 | $0 |
| JASON RODERICK AGENT | Insurance agents and brokers Service code 22 | 2130 28TH ST SW WYOMING, MI 48519 | $0 |
| MACQUEEN INSURANCE GROUP AGENT | Insurance agents and brokers Service code 22 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | $0 |
| NICHOLAS GARRY AGENT | Insurance agents and brokers Service code 22 | 9073 HACKBERRY AVENUE PLYMOUTH, MI 48170 | $0 |
| THOMAS DANIEL SCHMIDT AGENT | Insurance agents and brokers Service code 22 | 21608 PINE CONE DR MACOMB, MI 48042 | $0 |
| W F HILL AND ASSOCIATES AGENT | 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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 221 | $1.5M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 259 | $121K |
| Vision | HERITAGE VISION PLANS INC | 137 | $17K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 220 | $98K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 220 | $148K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 220 | $98K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 221 | $1.5M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 220 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.