| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 9.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $8K | $264 | $8K | 6.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 11.06% |
| SCOTT W DAVIDSON3 Filed as: SCOTT W. DAVIDSON | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $876 | — | $876 | 4.86% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $396 | — | $396 | 2.20% |
| RICHARD P SOMMERS3 Filed as: RICHARD P. SOMMERS | 1390 WEST BOULEVARD BERKLEY, MI 48072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 0.68% |
| GABRIEL TORREZ3 | 407 LAFAYETTE AVENUE BAY CITY, MI 48708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.63% |
| KERRY L DAVIDSON3 Filed as: KERRY L. DAVIDSON | 7866 SLEEP HOLLOW DRIVE NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.60% |
| SYDNEY N. COTTON3 | 625 E BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.31% |
| THOMAS W BOSTON3 Filed as: THOMAS A. DANKO | 71550 ELDRED ROAD BRUCE TOWNSHIP, MI 48065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.30% |
| IAN A BURT3 Filed as: IAN A. BURT | 5201 ABINGTON DRIVE TROY, MI 48085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.17% |
| BRIAN KELLY3 | 44420 CHARNWOOD DRIVE PLYMOUTH, MI 48170 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.12% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.12% |
| JD FINANCIAL SERVICES3 | P.O. BOX 51494 LIVONIA, MI 48151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| AARON ARNAIZ3 | 884 SOUTH WICK COURT OAKLAND, MI 48363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| JESSICA R MAJOR3 Filed as: JESSICA R. MAJOR YOUNG | 1352 DEERFIELD DRIVE CENTERVILLE, UT 84014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| KEN MAJOR3 | 30207 PIPERS LANE FARMINGTON HILLS, MI 48334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| JEANNETTE S STAPLETON3 Filed as: JEANNETTE S. FOKSINSKI | 34706 CENTAUR DETROIT, MI 48226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| ALAN BERGMANN3 Filed as: ALAN W. BERGMANN | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| GREG A GOULD3 Filed as: GREG A. GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 389 | $130K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 408 | $170K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 408 | $170K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 408 | $170K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 408 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.