| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELAINE C. COFFMAN3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | $0 | $17K | 4.95% |
| LOCKTON COMPANIES, LLC3 | 600 WOODWARD AVENUE, SUITE 1900 DETROIT, MI 48226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $70 | $28K | 8.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $49 | $49 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 19.68% |
| SCOTT W DAVIDSON3 Filed as: SCOTT W. DAVIDSON | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.39% |
| HILARY R EBNER3 Filed as: HILARY R. EBNER | 15991 LAUDERDALE AVENUE BEVERLY HILLS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 0.28% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MARIE MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.14% |
| SHAUN M KLUG3 Filed as: SHAUN MICHAEL KLUG | 957 HILLANDALE ROAD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.12% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $7K | — | $7K | 13.14% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $98 | — | $98 | 3.55% |
| PREVENTIVE SERVICES PLLC4 Filed as: PREVENTIVE SERVICES, PLLC | 1438 OAK BROOKE ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 0.76% |
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 | 375 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 719 | $334K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 736 | $50K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $324K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $324K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $324K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 736 | — |
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."
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.