| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY T. SUDDERTH3 | 5925 MERIDIAN BOULEVARD SOUTH-300 BRIGHTON, MI 48116 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $62K | — | $62K | 4.58% |
| AFFILIATED AGENCIES LLC3 | 16401 EAST 9 MILE ROAD EASTPOINTE, MI 48021 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.09% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BOULEVARD SUITE 300 BRIGHTON, MI 48116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.27% |
| AFFILIATED AGENCIES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.66% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.88% |
| CHRISTOPHER L RINK3 | 3411 SOUTH 28TH STREET FORT SMITH, AR 72901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $647 | — | $647 | 2.31% |
| JUSTIN M GOODENOUGH3 | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $614 | — | $614 | 2.19% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $500 | — | $500 | 1.78% |
| ALISA T WALLINGTON-BURKE3 | 18701 GRAND AVENUE 240 DETROIT, MI 48223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | — | $232 | 0.83% |
| LEORA DENISE MOORE3 Filed as: LEORA D MOORE | 700 KEZER DRIVE CEDARVILLE, AK 72932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 0.60% |
| GABRIEL TORREZ3 | 407 LAFAYETTE AVENUE BAY CITY, MI 48708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 0.38% |
| RAYMOND J DE GOEY3 | N2860 SLEEPY CREEK DRIVE KAUKAUNA, WI 54130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.37% |
| CHRISTOPHER D COCKBURN3 | 1509 6TH TERRACE BARLING, AR 72923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.33% |
| HILARY R EBNER3 | 31201 CHICAGO ROAD SOUTH SUITE A103 WARREN, MI 48093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.21% |
| ROBERT L PARSONS3 Filed as: ROBERT L PARSON | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.10% |
| SHANNON A LADING3 | 738 WEST FOURTH STREET APPLETON, WI 54914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.10% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL DESPIRITO | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| WILLIAM LEY3 Filed as: WILLIAM F WALSH | 165 KIRTS BOULEVARD SUITE 600 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 217 | $1.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $121K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $121K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $121K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $121K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 217 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.