| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY, INC. | PO BOX 5069 SOUTHFIELD, MI 48086 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 10.22% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY, LLC | 26555 EVERGREEN ROAD, SUITE 535 SOUTHFIELD, MI 48076 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.01% |
| JEANNETTE SUE FOKSINSKI3 | 21325 BRIARCLIFF STREET SAINT CLAIR SHORES, MI 48082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $445 | $0 | $445 | 2.62% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY, INC. | 26026 TELEGRAPH ROAD, SUITE 100 SOUTHFIELD, MI 48034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | $0 | $251 | 1.48% |
| ANDRES VELAZQUEZ3 | 837 SOUTH FALCON STREET SOUTH BEND, IN 46619 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | $0 | $186 | 1.09% |
| ANDREW J LOEWEN3 Filed as: ANDREW JAMES MITCHELL LOEWEN | 321 WEST HOBART AVENUE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | $0 | $94 | 0.55% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.37% |
| KYLE L KAUFFMAN3 Filed as: KYLE L. KAUFFMAN | 1524 WEST FRANTZ STREET WARSAW, IN 46580 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.25% |
| JONATHAN DAVID BESWARICK3 Filed as: JONATHAN DAVID BESWARICK AND OTHERS | 250 ESTATES DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$346 | $0 | -$346 | -2.04% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $100K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $100K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $100K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $100K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 64 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
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.