| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44K | — | $44K | 6.65% |
| PAUL MAJEWSKI | 4488 JACKSON ROAD ANN ARBOR, MI 48103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 4.04% |
| AG AND ASSOCIATES Filed as: AG & ASSOCIATES WZ220 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.93% |
| GREG A GOULD | 905 W EISENHOWER CIRCLE 107 ANN ARBOR, MI 48103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.77% |
| KRAIG M SEXTON | 9864 E GRAND RIVER SUITE 110 292 BRIGHTON, MI 48116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.73% |
| IAN A BURT | 5201 ABINGOTN DRIVE TROY, MI 48085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.65% |
| KRISTIN L LATTREL | 26400 LAHSER STE 307 SOUTHFIELD, MI 48033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.19% |
| PAMELA ABDELNOUR | 18822 DAVIDSON ROSEVILLE, MI 48066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.16% |
| HARRIETT C TILLEY | 7 ROCKINGHAM LANE PALM COAST, FL 32164 | CONTINENTAL AMERICAN INSURANCE COMPANY | $678 | — | $678 | 0.10% |
| HEATHER A DOLLIVER | 212 S SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $551 | — | $551 | 0.08% |
| LINDSEY M ALDRED | 4488 JACKSON ROAD ANN ARBOR, MI 48108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $511 | — | $511 | 0.08% |
| LARRY E KESSELRING | 5415 MORNING VIEW TER BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $507 | — | $507 | 0.08% |
| LOUIE ALMANZA | 5959 GATEWAY BLVD WEST UNIT 655 EL PASO, TX 79925 | CONTINENTAL AMERICAN INSURANCE COMPANY | $457 | — | $457 | 0.07% |
| ROSEANN RODRIGUEZ | 10913 VISTA DEL SOL EL PASO, TX 79925 | CONTINENTAL AMERICAN INSURANCE COMPANY | $389 | — | $389 | 0.06% |
| KACY A GRUENKEMEYER | 11116 AURORA AVENUE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $322 | — | $322 | 0.05% |
| JEFFREY C WERNER | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | — | $307 | 0.05% |
| LISA A ALMANZA | 5959 GATEWAY BLVD WEST UNIT 655 EL PASO, TX 79925 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | — | $284 | 0.04% |
| JULIE SLAUGHTER | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | — | $267 | 0.04% |
| SHAUN M KLUG | 957 HILLANDAL E ROAD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226 | — | $226 | 0.03% |
| CHRIS D BOULDREY | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | — | $223 | 0.03% |
| JAMES C SNIDER JR Filed as: JAMES C SNIDER | 2365 BOSTON STREET BALTIMORE, MD 21224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | — | $223 | 0.03% |
| JIM M BULLOCK | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $210 | — | $210 | 0.03% |
| GREGORY K BEST | 3487 S LINDEN ROAD FLINT, MI 48507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.02% |
| STEPHANIE L KESSELRING | 5415 MORNING VIEW TERRACE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 0.02% |
| AG AND ASSOCIATES Filed as: AG & ASSOCIATES AGA21 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.01% |
| JOSH MURILLO | 5959 GATEWAY WEST 620 EL PASO, TX 79925 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| FREDERICK GIRBACH Filed as: FREDERICK J GIRBACH | 272 MARK HANNAH COURT SALINE, MI 48176 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $728 | $11K | 15.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Non-monetary compensation; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $888K |
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 | 1,272 | 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) | 1,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,343 | $74K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,658 | $662K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,658 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,658 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.