| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN CARRAGHER3 Filed as: BRIAN D. CARRAGHER | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $272K | $0 | $272K | 2.89% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON, 5TH FLOOR CHICAGO, IL 60661 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $39K | $39K | 0.41% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD CHICAGO, IL 60661 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76K | $0 | $76K | 15.97% |
| ROBERT L PARSONS3 Filed as: ROBERT L. PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 3.78% |
| SAMANTHA SEDLAK3 Filed as: SAMANTHA R. SEDLAK | 6770 73RD AND A HALF STREET SOUTH HAVEN, MI 49090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 3.66% |
| LAURA E MCCALLY3 Filed as: LAURA E. MCCALLY | 13300 PARK WEST BOULEVARD VICKSBURG, MI 49097 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 3.25% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 2.80% |
| CATHY POE3 | 902 TERRE COUPE BUCHANAN, MI 49107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 1.83% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 1.56% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON, SUITE 500 CHICAGO, IL 60661 | STARMOUNT LIFE INSURANCE COMPANY | $50K | $0 | $50K | 11.67% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON, SUITE 500 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 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 | 1,869 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,428 | $9.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,164 | $432K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,164 | $432K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,350 | $146K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,259 | $474K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,428 | $9.4M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,350 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,350 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.