| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $44K | — | $44K | 9.86% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 13.35% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 13.28% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 12.67% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | VISION SERVICE PLAN | $5K | — | $5K | 5.00% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 9.62% |
| BENEFIT SERVICE SOLUTIONS INC | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $913 | — | $913 | 3.16% |
| ALAN BERGMANN | 284 TWIN PONDS OKEMOS, MI 48865 | CONTINENTAL AMERICAN INSURANCE COMPANY | $790 | — | $790 | 2.74% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WILLIAM BROWN | 2940 BEECH RIDGE DR LANSING, MI 48911 | CONTINENTAL AMERICAN INSURANCE COMPANY | $774 | — | $774 | 2.68% |
| CASEY BIERLEIN | 3 FRANCONIAN CT FRANKENMUTH, MI 48734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $473 | — | $473 | 1.64% |
| DAVID ROTH Filed as: DAVID ZICK | 30800 TELEGRAPH ROAD, SUITE 3800 BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.34% |
| FRANKENMUTH CREDIT UNION | 580 NORTH MAIN FRANKENMUTH, MI 48734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.21% |
| AG AND ASSOCIATES | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.11% |
| JULIE SLAUGHTER | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| HEATHER DOLLIVER | 212 W SILVER LAKE ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JEFFREY C WERNER Filed as: JEFFREY WERNER | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| BCL INSURANCE AGENCY LLC3 Filed as: BCL INSURANCE AGENCY, LLC | 3000 TAFT ROAD BRUCE TWP, MI 48065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.72% |
| DANIELLE MORGAN3 | 27284 STRAWBERRY LANE, APT 302 FARMINGTON HILLS, MI 48334 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
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 | 1,295 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 946 | $549K |
| Vision | VISION SERVICE PLAN | 604 | $107K |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 975 | $470K |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 975 | $470K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 975 | $466K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 975 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 975 | — |
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.