| 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 | $22K | $60K | 15.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $275 | $0 | $275 | 0.13% |
| AARON ARNAIZ3 | 884 SOUTHWICK CT OAKLAND, MI 48363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 4.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 CHICAGO, IL 60693 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 CHICAGO, IL 60693 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.47% |
| SHAUN M KLUG3 | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $660 | $0 | $660 | 0.45% |
| PAUL BRADLEY3 | 2125 CLAWSON #205 ROYAL OAK, MI 48073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $476 | $0 | $476 | 0.33% |
| SHAUN M KLUG3 | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $378 | $0 | $378 | 0.26% |
| HAYS COMPANIES, INC.3 Filed as: SCOTT K HAYS | 1140 JAMES BLVD SIGNAL MOUNTAIN, TN 37377 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | $0 | $284 | 0.20% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA J GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 48173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $210 | $0 | $210 | 0.14% |
| A. DENISE BURNS3 | 135 SHIRLEY LANE RINGGOLD, GA 30736 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | $0 | $170 | 0.12% |
| JEANNETTE S STAPLETON3 Filed as: JEANNETTE S FOKSINSKI | BUSINESS ADDRESS 34706 CENTAUR DETROIT, MI 48226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | $0 | $115 | 0.08% |
| BELINDA PICKEL3 Filed as: BELINDA B PICKEL | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | $0 | $91 | 0.06% |
| IAN A BURT3 | 5201 ABINGTON DRIVE TROY, MI 48085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED RD BRUCE TWP, MI 48065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.03% |
| DENA E GABRY3 | 7415 VIEW COURT WATERFORD, MI 48327 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.02% |
| ANDREW J LOEWEN3 | 321 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.02% |
| SCOTT W DAVIDSON3 | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.02% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.01% |
| NOLAN D MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
| CHARLES V GLAUB3 | 5458 PARKSIDE DR BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, MI 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED RD BRUCE TWP, MI 48065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| KEVIN R KRAGENBRINK3 | 1200 MOUNTAIN CREEK RD STE 102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 497 | 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) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 748 | $213K |
| Vision | VISION SERVICE PLAN | 365 | $51K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 502 | $388K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 502 | $388K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 502 | $388K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 502 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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.