| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 4.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $4K | $295 | $4K | 3.12% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 3.06% |
| 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 | 9.94% |
| SCOTT W DAVIDSON3 Filed as: SCOTT W. DAVIDSON | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.45% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $361 | — | $361 | 1.45% |
| GABRIEL TORREZ3 | 407 LAFAYETTE AVENUE BAY CITY, MI 48708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.82% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 0.63% |
| RICHARD P SOMMERS3 Filed as: RICHARD P. SOMMERS | 1390 WEST BOULEVARD BERKLEY, MI 48072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.22% |
| SYDNEY N. COTTON3 | 625 E BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.10% |
| KERRY L DAVIDSON3 Filed as: KERRY L. DAVIDSON | 7866 SLEEP HOLLOW DRIVE NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.08% |
| THOMAS W BOSTON3 Filed as: THOMAS A. DANKO | 71550 ELDRED ROAD BRUCE TOWNSHIP, MI 48065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| KIMBERLY M MCNULTY3 Filed as: KIMBERLY M. MCNULTY | 22452 LAKECREST STREET ST. CLR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| IAN A BURT3 Filed as: IAN A. BURT | 5201 ABINGTON DRIVE TROY, MI 48085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| EDWARD O WALTER III3 Filed as: EDWARD O. WALTER | P.O. BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| BRIAN KELLY3 | 44420 CHARNWOOD DRIVE PLYMOUTH, MI 48170 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT, INC. | 30600 TELEGRAPH ROAD, SUITE 2250 BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| JD FINANCIAL SERVICES3 | P.O. BOX 51494 LIVONIA, MI 48151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| AARON ARNAIZ3 | 884 SOUTH WICK COURT OAKLAND, MI 48363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| JEANNETTE S STAPLETON3 Filed as: JEANNETTE S. FOKSINSKI | 34706 CENTAUR DETROIT, MI 48226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| JESSICA R MAJOR3 Filed as: JESSICA R. MAJOR YOUNG | 1352 DEERFIELD DRIVE CENTERVILLE, UT 84014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W. BERGMANN | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| KEN MAJOR3 | 30207 PIPERS LANE FARMINGTON HILLS, MI 48334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| GREG A GOULD3 Filed as: GREG A. GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 425 | $139K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 439 | $207K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 439 | $207K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 439 | $207K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 439 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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."
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.