| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 8.05% |
| AARON MICHAEL ARNAIZ3 | 884 SOUTHWICK CT OAKLAND, MI 48363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 6.91% |
| SHAUN M KLUG3 Filed as: SHAUN MICHAEL KLUG | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.15% |
| SHAUN M KLUG3 Filed as: SHAUN MICHAEL KLUG | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $401 | $0 | $401 | 0.24% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA JUNE GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 48173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $327 | $0 | $327 | 0.20% |
| DENA E GABRY3 Filed as: DENA EVE GABRY | 7415 VIEW COURT WATERFORD, MI 48327 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | $0 | $99 | 0.06% |
| ANDREW J LOEWEN3 Filed as: ANDREW JAMES MITCHELL LOEWEN | 321 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.03% |
| JEANNETTE SUE FOKSINSKI3 | 21325 BRIARCLIFF ST SAINT CLAIR SHORES, MI 48082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.03% |
| MORGAN LOEWEN3 | 2940 ST ANDREWS DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: SCOTT KING HAYS | 1140 JAMES BLVD SIGNAL MOUNTAIN, TN 37377 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MARIE MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| EDWARD OTIS WALTER III3 | 3205 VALLEY OAKS DR WHITE LAKE, MI 48383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| NOLAN DOYLE MCCUE3 | 131 WATERS HILL CIR LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$5 | $0 | -$5 | -0.00% |
| BELINDA B PICKEL3 | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$80 | $0 | -$80 | -0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $15K | $35K | 21.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $9K | $18K | 19.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 13.17% |
| GRIFFIN, STEVEN, RAY3 Filed as: GRIFFIN, STEVEN RAY | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16 | $0 | $16 | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 1.99% |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 300 | $118K |
| Vision | VISION SERVICE PLAN | 349 | $52K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 476 | $163K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $91K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $41K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 476 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.