| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY, LLC | PO BOX 5069 SOUTHFIELD, MI 48086 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 10.51% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY, INC. | 26026 TELEGRAPH ROAD, SUITE 100 SOUTHFIELD, MI 48034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 9.08% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA JUNE GARDNER-FIELDS | 1901 ACORN DRIVE ST. JOSEPH, MI 49085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $737 | $0 | $737 | 3.52% |
| JEANNETTE SUE FOKSINSKI3 | 21325 BRIARCLIFF STREET SAINT CLAIR SHORES, MI 48082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | $0 | $323 | 1.54% |
| ANDREW J LOEWEN3 Filed as: ANDREW JAMES MITCHELL LOEWEN | 321 WEST HOBART AVENUE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | $0 | $159 | 0.76% |
| HEATHER M. JANSON3 | 4299 EUCALYPTUS WAY PINCKNEY, MI 48169 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | $0 | $152 | 0.73% |
| ALFREDO ROSAS3 Filed as: ALFREDO ROSAS AND OTHER AGENTS | 7604 RED ARROW, HIGHWAY 66 WATERVLIET, MI 49098 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | $0 | $139 | 0.66% |
| MORGAN LOEWEN3 | 2940 ST. ANDREWS DRIVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | $0 | $137 | 0.66% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $120K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $120K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $120K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $120K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 64 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.