| 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 | $4K | $1K | $5K | 6.50% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | PRINCIPAL LIFE INSURANCE COMPANY | $551 | $0 | $551 | 0.69% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY, INC. | 26026 TELEGRAPH ROAD, SUITE 100 SOUTHFIELD, MI 48034 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.13% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | AMERICAN UNITED LIFE INSURANCE COMPANY | $697 | $0 | $697 | 1.68% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY, INC. | 26026 TELEGRAPH ROAD, SUITE 100 SOUTHFIELD, MI 48034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.90% |
| ALEXANDER MAIER3 Filed as: ALEXANDER RAMSEY MAIER | 14396 HAVERHILL DRIVE SHELBY TOWNSHIP, MI 48315 | CONTINENTAL AMERICAN INSURANCE COMPANY | $577 | $0 | $577 | 3.01% |
| MJ INSURANCE3 Filed as: ANDREW J. LOEWEN AND VARIOUS AGENTS | 321 WEST HOBART AVENUE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $353 | $0 | $353 | 1.84% |
| JOEDDA GARDNER FIELDS3 Filed as: JOEDDA GARDNER-FIELDS | 32916 KELLY BOULEVARD BROWNSTOWN, MI 48173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $309 | $0 | $309 | 1.61% |
| RENEE M TRUDEAU3 Filed as: RENEE M. TRUDEAU | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | $0 | $206 | 1.08% |
| JEANNETTE S STAPLETON3 Filed as: JEANNETTE S. FOKSINSKI | 34706 CENTAUR DETROIT, MI 48226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | $0 | $184 | 0.96% |
| MICHEAL L. TRUDEAU3 | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | $0 | $110 | 0.57% |
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 | 245 | $80K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $80K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $122K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $122K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 128 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.