| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE STE 300 ROCHESTER HILLS, MI 48116 | HEALTH ALLIANCE PLAN | $23K | — | $23K | 4.38% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 Filed as: HEALTH ALLIANCE ADMINISTRATORS INC. | 39500 HIGH POINTE BLVD #400 NOVIA, MI 48375 | HEALTH ALLIANCE PLAN | $5K | — | $5K | 0.92% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 300 ROHESTER HILLS, MI 48116 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 4.37% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 | 39500 HIGH POINTE BLVD #400 NOVI, MI 48375 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.92% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIR STE 200 ROCHESTER HILL, MI 48307 | PRINCIPIAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 14.13% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | PRINCIPIAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.53% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE | 101 E MAIN ST CENTERVILLE, IN 47330 | PRINCIPIAL LIFE INSURANCE COMPANY | $609 | — | $609 | 0.96% |
| JULIE A HOLDERNES | 633 MOUNTAIN CIR ROCHESTER HILLS, MI 48306 | AFLAC | $2K | $281 | $2K | 3.81% |
| MARK A RAYMER3 Filed as: MARK RAYMER | 625 E BIG BEAVER RD TROY, MI 48083 | AFLAC | $1K | $106 | $1K | 2.69% |
| STEPHEN GRACIN | 625 E BIG BEAVER RD TROY, MI 48083 | AFLAC | $437 | $65 | $502 | 1.02% |
| DEBORAH S GOLDEN Filed as: DEBORAH WASEMILLER | 3776 DEVOE CLINTON TOWNSHIP, MI 48036 | AFLAC | $154 | — | $154 | 0.31% |
| LUKE ROCHWELL | 325 W HURON ST CHICAGO, IL 60654 | AFLAC | $119 | — | $119 | 0.24% |
| ANNA MARINEZ | 325 HURON ST CHICAGO, IL 60654 | AFLAC | $92 | — | $92 | 0.19% |
| BENEPRO, INC.--KRISTOPHER POWELL3 | 1025 N CAMPBELL RD ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 4.59% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | DELTA DENTAL OF MICHIGAN | $395 | — | $395 | 1.01% |
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 | 80 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 109 | $39K |
| Life insurance | PRINCIPIAL LIFE INSURANCE COMPANY | 124 | $63K |
| Short-term disability | PRINCIPIAL LIFE INSURANCE COMPANY | 124 | $63K |
| Long-term disability | PRINCIPIAL LIFE INSURANCE COMPANY | 124 | $63K |
| Other(2 contracts, 2 carriers) | PRINCIPIAL LIFE INSURANCE COMPANY | 124 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.