| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMLOCK INSURANCE GROUP LLC3 | 7490 E M 36 WHITMORE LAKE, MI 48189 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $62K | $66K | 4.10% |
| HEMLOCK INSURANCE GROUP LLC3 | 7490 E M 36 WHITMORE LAKE, MI 48189 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 11.03% |
| HEMLOCK INSURANCE GROUP LLC3 | 7490 E M-36 WHITMORE LAKE, MI 48189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 14.53% |
| DENA E GABRY3 Filed as: DENA EVE GABRY | 7415 VIEW COURT WATERFORD, MI 48327 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 8.50% |
| SHAUN M KLUG3 | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.79% |
| RICHARD J MOELLER3 Filed as: RICHARD MOELLER | 23025 CLAIRWOOD SAINT CLAIR SHORES, MI 48080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $980 | $0 | $980 | 2.30% |
| STEVEN OSTLER3 | 3263 TYLER AVE BERKLEY, MI 48072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | $0 | $44 | 0.10% |
| HEMLOCK INSURANCE GROUP LLC3 | 7490 E M-36 WHITMORE LAKE, MI 48189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 17.06% |
| CINDY R COTE3 | 14960 OLD GRADE RD THOMPSONVILLE, MI 49683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $949 | $0 | $949 | 5.97% |
| STEVEN OSTLER3 | 3263 TYLER AVE BERKLEY, MI 48072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $665 | $0 | $665 | 4.18% |
| SHAUN M KLUG3 | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $521 | $0 | $521 | 3.28% |
| WENDY LYNN WITT3 Filed as: WENDY L WITT | 1157 BOOTH STREET HOWELL, MI 48843 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | $0 | $252 | 1.58% |
| RICHARD J MOELLER3 Filed as: RICHARD MOELLER | 23025 CLAIRWOOD SAINT CLAIR SHORES, MI 48080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $176 | $0 | $176 | 1.11% |
| RENEE M TRUDEAU3 | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | $0 | $141 | 0.89% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $1.6M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $1.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $1.6M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 105 | $70K |
| Short-term disability(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 108 | $129K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 105 | $70K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $1.6M |
| Other(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 108 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.