| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $38K | — | $38K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | — | $33K | 5.24% |
| PAUL MAJEWSKI | 4488 JACKSON ROAD ANN ARBOR, MI 48103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 2.97% |
| AG AND ASSOCIATES Filed as: AG & ASSOCIATES | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.84% |
| GREG A GOULD | 905 W EISENHOWER CIRCLE 107 ANN ARBOR, MI 48103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.53% |
| KRAIG M SEXTON | 9864 E GRAND RIVER SUITE 110 292 BRIGHTON, MI 48116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.42% |
| IAN A BURT | 5201 ABINGOTN DRIVE TROY, MI 48085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.40% |
| GREG A GOULD | 8105 GINGKOWAY DEXTER, MI 48130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.20% |
| HARRIETT C TILLEY | 7 ROCKINGHAM LANE PALM COAST, FL 32164 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.19% |
| PAMELA ABDELNOUR | 18822 DAVIDSON ROSEVILLE, MI 48066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $996 | — | $996 | 0.16% |
| SHAUN M KLUG | 957 HILLANDAL E ROAD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $568 | — | $568 | 0.09% |
| LOUIE ALMANZA | 5959 GATEWAY BLVD WEST UNIT 655 EL PASO, TX 79925 | CONTINENTAL AMERICAN INSURANCE COMPANY | $507 | — | $507 | 0.08% |
| LARRY E KESSELRING | 5415 MORNING VIEW TER BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $507 | — | $507 | 0.08% |
| HEATHER A DOLLIVER | 212 S SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $322 | — | $322 | 0.05% |
| KACY A GRUENKEMEYER | 5530 WEST PARKWAY JOHNSTON, IA 50131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $276 | — | $276 | 0.04% |
| LINDSEY M ALDRED | 4488 JACKSON ROAD ANN ARBOR, MI 48108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 0.04% |
| ROSEANN RODRIGUEZ | 10913 VISTA DEL SOL EL PASO, TX 79925 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 0.03% |
| LISA A ALMANZA | 5959 GATEWAY BLVD WEST UNIT 655 EL PASO, TX 79925 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | — | $192 | 0.03% |
| CHRIS D BOULDREY | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | — | $186 | 0.03% |
| JAMES C SNIDER JR Filed as: JAMES C SNIDER | 830 JUANITA RAEL WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | — | $186 | 0.03% |
| JIM M BULLOCK | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | 0.03% |
| ALAN BERGMANN Filed as: ALAN W BERGMANN | 284 TWIN PONDS OKEMOS, MI 48865 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 0.03% |
| JEFFREY C WERNER | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 0.02% |
| KRISTIN L LATTREL | 26400 LAHSER STE 307 SOUTHFIELD, MI 48033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.02% |
| JULIE SLAUGHTER | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.01% |
| GREGORY K BEST | 3487 S LINDEN ROAD FLINT, MI 48507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.01% |
| STEPHANIE L KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.01% |
| JOSH MURILLO | 5959 GATEWAY WEST 620 EL PASO, TX 79925 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.01% |
| AG AND ASSOCIATES Filed as: AG & ASSOCIATES AGA21 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.00% |
| JOSHUA B DEVRIES Filed as: JOSHUA B DEBRIES | 23564 DONALDSON ST CLINTON TOWNSHIP, MI 48035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| FREDERICK GIRBACH Filed as: FREDERICK J GIRBACH | 272 MARK HANNAH COURT SALINE, MI 48176 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | VISION SERVICE PLAN | — | — | $0 | 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 | $12K | $1K | $13K | 16.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.05% |
| BRIAN DUDA3 Filed as: BRIAN S DUDA | 701 HURON AVENUE STE 101 PORT HURON, MI 48060 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.96% |
| IRA BROKERAGE INC.3 Filed as: IRA BROKERAGE INC | 34119 W 12 MILE ROAD SUITE 330 FARMINGTON HILLS, MI 48331 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $597 | — | $597 | 1.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing; Other fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Contract Administrator; Insurance services Service code 12 | — | $1.1M |
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 | 1,479 | 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) | 1,479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 2,617 | $836K |
| Vision | VISION SERVICE PLAN | 1,064 | $128K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,349 | $119K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,740 | $639K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 121 | $41K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,740 | $758K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,740 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.