| 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 | $49K | $0 | $49K | 4.93% |
| PAUL MAJEWSKI3 | 4488 JACKSON ROAD ANN ARBOR, MI 48103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 2.60% |
| KRISTIN L LATTREL3 Filed as: KRISTIN L LATTREL AND OTHER AGENTS | 908 N 14TH ST NASHVILLE, TN 37206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 2.26% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES AGA21 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.80% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER SUITE 110 292 BRIGHTON, MI 48116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.60% |
| GREG A GOULD3 | 8105 GINGKOWAY DEXTER, MI 48130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.57% |
| IAN A BURT3 | 5201 ABINGOTN DRIVE TROY, MI 48085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.47% |
| MARSH & MCLENNAN AGENCY LLC | PARK 80 WEST PLAZA TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $13K | 16.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.06% |
| BRIAN DUDA3 Filed as: BRIAN S DUDA | 701 HURON AVENUE STE 101 PORT HURON, MI 48060 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.67% |
| 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 | $621 | $0 | $621 | 1.39% |
| BRIAN DUDA3 | 701 HURON AVE STE 101 PORT HURON, MI 48060 | MONY LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 12.12% |
No Schedule C service providers reported on this filing.
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 | 1,259 | 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) | 1,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 2,644 | $1.0M |
| Vision | VISION SERVICE PLAN | 1,086 | $133K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,349 | $158K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,745 | $635K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 136 | $80K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,745 | $757K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,745 | — |
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.