| 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 | $14K | $7K | $21K | 16.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT SPECIALTY INSURANCE SE | 18100 VON KARMAN AVE #1000 IRVINE, CA 92612 | SYMETRA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.88% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 11.06% |
| SCOTT W DAVIDSON3 | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.28% |
| HILARY R EBNER3 | 31201 CHICAGO RD S STE A103 WARREN, MI 48093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.28% |
| C WORKSITE BENEFITS LL3 | 4200 W. MICHIGAN AVE STE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $990 | $0 | $990 | 1.20% |
| SHAUN M KLUG3 | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $532 | $0 | $532 | 0.65% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY M MESSENGER | 4200 WEST MICHIGAN AVE STE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $276 | $0 | $276 | 0.33% |
| BETHANY M MCDADE3 | 546 N DARTMOUTH ST KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $275 | $0 | $275 | 0.33% |
| SARAH E MEANY3 | 2710 HAMPSHIRE BLVD S.E. GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $257 | $0 | $257 | 0.31% |
| KERRY L DAVIDSON3 | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | $0 | $165 | 0.20% |
| KIMBERLY M MCNULTY3 | 22452 LAKECREST ST ST CLR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | $0 | $138 | 0.17% |
| NANETTE JENNINGS3 Filed as: NANETTE S JENNINGS | 65145 BIG HILL RD STURGIS, MI 49091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | $0 | $81 | 0.10% |
| MARY M CAMPBELL3 | 9480 W Y AVENUE SCHOOLCRAFT, MI 49087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 0.09% |
| ROBERT L PARSONS3 | 4130 WEST D AVE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | $0 | $71 | 0.09% |
| MONICA M MILLER3 | 2922 FULLER AVE NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 208 | $27K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $126K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $126K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $126K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 131 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.