| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY T. SUDDERTH3 | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER HILLS, MI 48307 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | $0 | $34K | 2.39% |
| SCOTT SETTLE3 | 4000 TOWN CENTER DRIVE, SUITE 8 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $30K | $0 | $30K | 2.08% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 31730 HOOVER ROAD, SUITE C WARREN, MI 48480 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.08% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER, MI 48307 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $262 | $5K | 5.19% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $698 | $5K | 5.11% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.24% |
| SCOTT W DAVIDSON3 Filed as: SCOTT W. DAVIDSON | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $273 | $0 | $273 | 1.18% |
| CHRISTOPHER L RINK3 Filed as: CHRISTOPHER L. RINK | 3411 SOUTH 28TH STREET FORT SMITH, AR 72901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $260 | $0 | $260 | 1.12% |
| SJD FINANCIAL SERVICE3 | PO BOX 51494 LIVONIA, MI 48151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | $0 | $259 | 1.12% |
| ALISA T WALLINGTON-BURKE3 Filed as: ALISA WALLINGTON AND OTHER AGENTS | 18701 GRAND RIVER AVENUE 240 DETROIT, MI 48223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $231 | $0 | $231 | 0.99% |
| JUSTIN M GOODENOUGH3 Filed as: JUSTIN M. GOODENOUGH | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | $0 | $192 | 0.83% |
| GABRIEL TORREZ3 | 407 LAFAYETTE AVENUE BAY CITY, MI 48708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | $0 | $93 | 0.40% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 222 | $1.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $104K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $104K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $104K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 222 | $1.4M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.