| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY T. SUDDERTH3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MA 48307 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $61K | — | $61K | 4.99% |
| AFFILIATED AGENCIES LLC3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48480 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $564 | $564 | 0.05% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER, MI 48307 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 9.54% |
| AFFILIATED AGENCIES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.81% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.45% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $389 | — | $389 | 1.35% |
| CHRISTOPHER L RINK3 | 3411 SOUTH 28TH STREET FORT SMITH, AR 72901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $353 | — | $353 | 1.23% |
| JUSTIN M GOODENOUGH3 | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | — | $284 | 0.99% |
| SCOTT W DAVIDSON3 | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | — | $199 | 0.69% |
| GABRIEL TORREZ3 | 407 LAFAYETTE AVENUE BAY CITY, MI 48708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.32% |
| RAYMOND J DE GOEY3 | N2860 SLEEPY CREEK DRIVE KAUKAUNA, WI 54130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.29% |
| ALISA T WALLINGTON-BURKE3 | 18701 GRAND RIVER AVENUE 240 DETROIT, MI 48223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.27% |
| CHRISTOPHER D COCKBURN3 | 1509 6TH TERRACE BARLING, AR 72923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.21% |
| WILLIAM LEY3 Filed as: WILLIAM F WALSH | 165 KIRTS BOULEVARD SUITE 600 TROY, MN 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.13% |
| LEORA DENISE MOORE3 Filed as: LEORA D MOORE | 700 KEZER DRIVE CEDARVILLE, AR 72932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.09% |
| SHANNON A LADING3 | 738 WEST FOURTH STREET APPLETON, WI 54914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| BOBBIE NUNES3 Filed as: BOBBIE J NUNES | PO BOX 326 GREENWOOD, AR 72936 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| HILARY R EBNER3 | 31201 CHICAGO ROAD SOUTH SUITE A103 WARREN, MI 48093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL DESPIRITO | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| EDWARD O WALTER III3 Filed as: EDWARD O WALTER | PO BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| ROBERT L PARSONS3 | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 220 | $1.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $124K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $124K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $124K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $124K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 220 | $1.2M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.