| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY T. SUDDERTH3 Filed as: GREGORY T SUDDERTH | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | $0 | $41K | 4.00% |
| AFFILIATED AGENCIES LLC3 | 31730 HOOVER RD STE C WARREN, MI 48480 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $653 | $653 | 0.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.61% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER HILLS, MI 48307 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.32% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE STE 200 ROCHESTER, MI 48307 | GUARDIAN | $716 | $0 | $716 | 15.00% |
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 | 156 | 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) | 156 | 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 | 278 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $54K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $54K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $54K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $54K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $54K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.