| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $24K | $61K | 16.48% |
| AARON ARNAIZ3 | 884 SOUTHWICK CT OAKLAND, MI 48363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 12.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 6.47% |
| SHAUN M KLUG3 Filed as: SHAUN MICHAEL KLUG | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.77% |
| SHAUN M KLUG3 | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $529 | $0 | $529 | 0.37% |
| PAUL BRADLEY3 Filed as: PAUL JAMES BRADLEY | 2125 CLAWSON #205 ROYAL OAK, MI 48073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | $0 | $125 | 0.09% |
| HAYS COMPANIES, INC.3 Filed as: SCOTT K HAYS | 1140 JAMES BLVD SIGNAL MOUNTAIN, TN 37377 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.04% |
| A. DENISE BURNS3 | 135 SHIRLEY LANE RINGGOLD, GA 30736 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.04% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED RD BRUCE TWP, MI 48065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED RD BRUCE TWP, MI 48065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| IAN ANDREW BURT AND OTHER AGENTS3 Filed as: IAN ANDREW BURT | 5201 ABINGTON DRIVE TROY, MI 48085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| KEVIN R KRAGENBRINK3 | 1200 MOUNTAIN CREEK RD STE 102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| KATHERINE L SIMOS3 | 3309 CLARICE AVE PFAFFTOWN, NC 27040 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$8 | $0 | -$8 | -0.01% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, MI 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$16 | $0 | -$16 | -0.01% |
| CHARLES V GLAUB3 | 5458 PARKSIDE DR BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$36 | $0 | -$36 | -0.02% |
| EDWARD OTIS WALTER III3 | PO BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$62 | $0 | -$62 | -0.04% |
| LISA L RANDOLPH3 | PO BOX 1890 WEST JEFFERSON, NC 28694 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$85 | $0 | -$85 | -0.06% |
| LAUREN GREENWOOD3 | 1026 PENNINGTON DRIVE LANCASTER, SC 29720 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$93 | $0 | -$93 | -0.06% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MMCNULTY | 22452 LAKECREST ST ST CLR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$112 | $0 | -$112 | -0.08% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$119 | $0 | -$119 | -0.08% |
| NOLAN D MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$138 | $0 | -$138 | -0.10% |
| ANDREW J LOEWEN3 Filed as: ANDREW JAMES MITCHELL LOEWEN | 321 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$205 | $0 | -$205 | -0.14% |
| JEANNETTE S STAPLETON3 Filed as: JEANNETTE S FOKSINSKI | BUSINESS ADDRESS 34706 CENTAUR DETROIT, MI 48226 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$602 | $0 | -$602 | -0.42% |
| DENA E GABRY3 | 7415 VIEW COURT WATERFORD, MI 48327 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1K | $0 | -$1K | -0.98% |
| SCOTT W DAVIDSON3 | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2K | $0 | -$2K | -1.06% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA J GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 48173 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2K | $0 | -$2K | -1.27% |
| BELINDA PICKEL3 Filed as: BELINDA B PICKEL | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2K | $0 | -$2K | -1.49% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | $0 | $87 | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37 | $0 | $37 | 1.96% |
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 | 457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 751 | $225K |
| Vision | VISION SERVICE PLAN | 343 | $44K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $373K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $373K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $373K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.