| 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 | $23K | — | $23K | 8.34% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 2.34% |
| SHERMAN EDWARDS3 | 325 N OLD WOODWARD AVENUE, SUITE 37 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.59% |
| LOCKTON COMPANIES, LLC3 | 600 WOODWARD AVENUE, SUITE 1900 DETROIT, MI 48226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $914 | $914 | 0.34% |
| LOCKTON COMPANIES, LLC3 | 325 N. OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | EYEMED VISION CARE | $4K | — | $4K | 9.19% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 23.82% |
| SCOTT W DAVIDSON3 Filed as: SCOTT W. DAVIDSON | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 17.96% |
| KIMBERLY M MCNULTY3 Filed as: KIMBERLY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| HILARY R EBNER3 | 15991 LAUDERDALE AVENUE BEVERLY HILLS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $833 | — | $833 | 2.00% |
| PREVENTIVE SERVICES PLLC4 | 1438 OAKBROOK EAST ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $158 | — | $158 | 3.05% |
| ANTHONY P PETRILL4 | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $42 | — | $42 | 0.81% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $30 | — | $30 | 0.58% |
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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 601 | $267K |
| Vision | EYEMED VISION CARE | 589 | $42K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 632 | $280K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 632 | $280K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 632 | $280K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 632 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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.