| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA HOLLINGSWORTH3 | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | BLUE CARE NETWORK OF MICHIGAN | $24K | $0 | $24K | 3.18% |
| PATRICIA HOLLINGSWORTH3 | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | $0 | $20K | 3.04% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.34% |
| CORE INSURANCE GROUP3 Filed as: CORE INSURANCE GROUP LLC | 50787 CORPORATE DRIVE SHELBY TOWNSHIP, MI 48315 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.24% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 3.58% |
| CORE INSURANCE GROUP3 Filed as: CORE INSURANCE GROUP LLC | 50787 CORPORATE DRIVE SHELBY TOWNSHIP, MI 48315 | DELTA DENTAL OF MICHIGAN | $862 | $0 | $862 | 1.30% |
| S LLC, K HARRIS & ASSOCIATE3 | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $320 | $0 | $320 | 3.32% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET, SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | $0 | $122 | 1.27% |
| UTIONS INC MIDWEST BENEFITS3 | 303 WEST ERIE STREET, SUITE 4000 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | $0 | $122 | 1.27% |
| ROBERT J AURIN3 Filed as: ROBERT LANE | 303 WEST ERIE STREET, SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | $0 | $104 | 1.08% |
| MIKE S GAYNOR3 Filed as: MIKE GAYNOR | 8672 SHORE WAY DRIVE SW BRYON CENTER, MI 49315 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | $0 | $83 | 0.86% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 303 WEST ERIE STREET, SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | $0 | $44 | 0.46% |
| MJ INSURANCE3 Filed as: TODD DEVOSS AND VARIOUS AGENTS | 321 NORTH CLARK, SUITE 625 CHICAGO, IL 60611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.19% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 126 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 205 | $66K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $127K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $127K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $127K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $127K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 126 | $1.4M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
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.