| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 48307 | SYMETRA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 11.59% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIR SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 7.51% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 W. MICHIGAN AVE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.62% |
| SCOTT W DAVIDSON3 Filed as: SCOTT DAVIDSON | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.37% |
| BETHANY M MCDADE3 | 546 N DARTMOUTH ST KALAMAZOO, MA 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $860 | — | $860 | 1.07% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY M MESSENGER | 4200 WEST MICHIGAN AVE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $757 | — | $757 | 0.95% |
| KERRY L DAVIDSON3 Filed as: KERRY DAVIDSON | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MA 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $632 | — | $632 | 0.79% |
| SARAH E MEANY3 | 2710 HAMPSHIRE BLVD. S.E. GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $376 | — | $376 | 0.47% |
| KIMBERLY M MCNULTY3 Filed as: KIMBERLY MCNULTY | 22452 LAKECREST ST CLAIR SHORES, MA 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $361 | — | $361 | 0.45% |
| HILARY R EBNER3 Filed as: HILARY EBNER | 31201 CHICAGO, SUITE A103 WARREN, MI 48093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $197 | — | $197 | 0.25% |
| MARY M CAMPBELL3 | 9480 W Y AVENUE SCHOOLCRAFT, MI 49087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 0.21% |
| NANETTE JENNINGS3 Filed as: NANETTE S JENNINGS | 65145 BIG HILL RD STURGIS, MI 49091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.15% |
| ROBERT L PARSONS3 | 4130 WEST D AVE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.10% |
| MONICA M MILLER3 | 2922 FULLER AVE NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 NONE | Contract Administrator Service code 13 | — | $133K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing; Contract Administrator Service code 12 | — | $10K |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 214 | $30K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 292 | $124K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 292 | $124K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 292 | $124K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 292 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.