| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIPRO3 | 5300 PATTERSON AVE SE, SUITE 150 GRAND RAPIDS, MI 49512 | LEGEND INSURANCE AGENCY LLC | $0 | $36K | $36K | 15.19% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 49307 | LEGEND INSURANCE AGENCY LLC | $0 | $25K | $25K | 10.56% |
| COFINITY3 Filed as: COFINITY, INC. | 4371 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LEGEND INSURANCE AGENCY LLC | $0 | $8K | $8K | 3.47% |
| MEDWATCH LLC3 Filed as: MEDWATCH, LLC | 120 INTERNATIONAL PKWY SUITE 220 LAKE MARY, FL 32746 | LEGEND INSURANCE AGENCY LLC | $0 | $4K | $4K | 1.80% |
| UNITED CLAIM SOLUTIONS3 Filed as: UNITED CLAIM SOLUTIONS LLC | PO BOX 310481 DES MOINES, IA 50331 | LEGEND INSURANCE AGENCY LLC | $0 | $304 | $304 | 0.13% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER, MI 48307 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.19% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER, MI 48307 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $11 | $4K | 26.58% |
| RICHARD GRENAY3 Filed as: RICHARD J GRENAY | 2250 KINDARE DR. DAVISON, MI 48423 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$655 | $0 | -$655 | -4.40% |
| CHARLES D. BLOCK3 Filed as: CHARLES KORTH | 12074 RIVERBEND DR PO BOX 55 GRAND BLANC, MI 48480 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$941 | $0 | -$941 | -6.32% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LEGEND INSURANCE AGENCY LLC | 85 | $240K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $140K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $140K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $140K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $140K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $140K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 86 | $134K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.