| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NZ BRYANT3 | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $30K | — | $30K | 2.29% |
| MATTHEW LEE3 | 300 W. 10TH STREET WEST POINT, GA 31833 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 0.65% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT GROUP INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | PRINCIPAL LIFE INSURANCE COMPANY | $49K | — | $49K | 12.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 7448321 ATLANTA, GA 30374 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 4.27% |
| NZ BRYANT3 | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 2.03% |
| MATTHEW LEE3 | 300 W. 10TH ST. WEST POINT, GA 31833 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.62% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT GROUP INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | AFLAC | $5K | — | $5K | 11.85% |
| AJ BENEFITS INC3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | AFLAC | $3K | $227 | $3K | 7.72% |
| SCOTT W DAVIDSON3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | AFLAC | $1K | $26 | $1K | 3.28% |
| HILARY R EBNER3 | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $882 | $59 | $941 | 2.24% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $464 | $35 | $499 | 1.19% |
| KIMBERLEY M MCNULTY3 | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $77 | $25 | $102 | 0.24% |
| GABRIEL G TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $17 | — | $17 | 0.04% |
| KERRY L DAVIDSON3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | AFLAC | $16 | — | $16 | 0.04% |
| EDWARD O WALTER III3 | PO BOX 1377 NOVI, MI 48376 | AFLAC | $13 | — | $13 | 0.03% |
| WILLIAM LEY3 Filed as: WILLIAM F WALSH | 25300 W 13 MILE RD FRANKLIN, MI 48025 | AFLAC | $3 | — | $3 | 0.01% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | HERTIAGE VISION PLANS INC | $2K | — | $2K | 5.22% |
| WALTER CRIDER3 | 4389 WESTOVER DR. WEST BLOOMFIELD, MI 48323 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 12.41% |
| PATTERSON BRYANT GROUP INC4 Filed as: PATTERSON BRYANT ASSOCIATES | 30600 TELEGRAPH RD. BINGHAM FARMS, MI 48025 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 8.32% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 237 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 392 | $405K |
| Vision | HERTIAGE VISION PLANS INC | 317 | $29K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 392 | $405K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 392 | $405K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 392 | $405K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 237 | $1.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 67 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.