| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 4.28% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $3K | $23K | 17.26% |
| GREGORY T. SUDDERTH3 Filed as: GREGORY SUDDERTH | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER, MI 48307 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.90% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $587 | — | $587 | 9.53% |
| HEATHER PINARD3 | 33526 MELTON STREET WESTLAND, MI 48186 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $421 | — | $421 | 6.84% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $965K |
| Dental | DELTA DENTAL OF MICHIGAN | 248 | $116K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $134K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $134K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $134K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $134K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.