| 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 | $21K | — | $21K | 8.34% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 3.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $779 | $779 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $31 | — | $31 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.41% |
| SCOTT W DAVIDSON3 Filed as: SCOTT W. DAVIDSON | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | — | $447 | 1.83% |
| KIMBERLY M MCNULTY3 Filed as: KIMBERLY M. MCNULTY | 22452 LAKECREST STREET ST. CLR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | — | $170 | 0.70% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.60% |
| EDWARD O WALTER III3 Filed as: EDWARD O. WALTER | P.O. BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.39% |
| GABRIEL TORREZ3 | 407 LAFAYETTE AVENUE BAY CITY, MI 48708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.38% |
| RICHARD P SOMMERS3 Filed as: RICHARD P. SOMMERS | 1390 WEST BOULEVARD BERKLEY, MI 48072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.22% |
| SYDNEY N. COTTON3 | 625 E BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.11% |
| THOMAS W BOSTON3 Filed as: THOMAS A. DANKO | 71550 ELDRED ROAD BRUCE TOWNSHIP, MI 48065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.09% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| KERRY L DAVIDSON3 Filed as: KERRY L. DAVIDSON | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| BRIAN KELLY3 | 44420 CHARNWOOD DRIVE PLYMOUTH, MI 48170 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| IAN A BURT3 Filed as: IAN A. BURT | 5201 ABINGTON DRIVE TROY, MI 48085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| JEANNETTE S STAPLETON3 Filed as: JEANNETTE S. FOKSINSKI | 34706 CENTAUR DETROIT, MI 48226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| ALAN BERGMANN3 Filed as: ALAN W. BERGMANN | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| AARON ARNAIZ3 | 884 SOUTH WICK COURT OAKLAND, MI 48363 | 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% |
| JESSICA R MAJOR3 Filed as: JESSICA R. MAJOR YOUNG | 1352 DEERFIELD DRIVE CENTERVILLE, UT 84014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KEN MAJOR3 | 30207 PIPERS LANE FARMINGTON HILLS, MI 48334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ANTHONY P PETRILL4 | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $32 | — | $32 | 0.75% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 426 | $142K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 487 | $249K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 487 | $249K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 487 | $249K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 487 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.