| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $64K | $72K | 4.56% |
| HEMLOCK INSURANCE GROUP LLC3 | 7490 E M 36 WHITMORE LAKE, MI 48189 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $82 | $3K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 13.71% |
| HEMLOCK INSURANCE GROUP LLC3 | 7490 E M 36 WHITMORE LAKE, MI 48189 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 2.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $766 | $0 | $766 | 4.34% |
| HEMLOCK INSURANCE GROUP LLC3 | 7490 E M-36 WHITMORE LAKE, MI 48189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | $0 | $236 | 1.34% |
| DENA E GABRY3 Filed as: DENA EVE GABRY | 7415 VIEW COURT WATERFORD, MI 48327 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | $0 | $115 | 0.65% |
| SHAUN M KLUG3 | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | $0 | $68 | 0.39% |
| RICHARD J MOELLER3 Filed as: RICHARD MOELLER | 23025 CLAIRWOOD SAINT CLAIR SHORES, MI 48080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $735 | $0 | $735 | 7.62% |
| HEMLOCK INSURANCE GROUP LLC3 | 7490 E M-36 WHITMORE LAKE, MI 48189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | $0 | $240 | 2.49% |
| CINDY R COTE3 | 14960 OLD GRADE RD THOMPSONVILLE, MI 49683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | $0 | $189 | 1.96% |
| STEVEN OSTLER3 | 1157 BOOTH STREET HOWELL, MI 48843 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | $0 | $141 | 1.46% |
| SHAUN M KLUG3 | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | $0 | $132 | 1.37% |
| WENDY LYNN WITT3 Filed as: WENDY L WITT | 1157 BOOTH STREET HOWELL, MI 48843 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | $0 | $53 | 0.55% |
| RICHARD J MOELLER3 Filed as: RICHARD MOELLER | 23025 CLAIRWOOD SAINT CLAIR SHORES, MI 48080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | $0 | $52 | 0.54% |
| RENEE M TRUDEAU3 | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.35% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 305 | $1.6M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 305 | $1.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 305 | $1.6M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 192 | $73K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 192 | $73K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 192 | $73K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 305 | $1.6M |
| Other(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 192 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.