| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENDA R MANNING3 Filed as: BRENDA R. MANNING | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | BLUE CARE NETWORK OF MICHIGAN | $29K | $0 | $29K | 4.09% |
| ROBERT L. HUGHES3 | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 0.83% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCE PARTNERS INC. | 500 GRISWOLD STREET, SUITE 2700 DETROIT, MI 48226 | BLUE CARE NETWORK OF MICHIGAN | $0 | $5K | $5K | 0.66% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES, INC | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.77% |
| HIGHSTREET INSURANCE SERVICES3 Filed as: HIGHSTREET INS SVCS GREAT LAKES INC | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.55% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $714 | $0 | $714 | 1.02% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES, INC | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 5.28% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES, INC | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $2K | $0 | $2K | 8.34% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $360 | $0 | $360 | 1.64% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 155 | $698K |
| Dental | DELTA DENTAL OF MICHIGAN | 167 | $44K |
| Vision | VISION SERVICE PLAN | 83 | $22K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $70K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $70K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 155 | $698K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.