| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXTERNAL AGENT3 | — | BLUE CARE NETWORK OF MICHIGAN | $14K | $0 | $14K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | REBECCA MCLAUGHLAN 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | CHRISTOPHER BOUSCHET 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.88% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 10.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 4609 WATERBURY DR. CLARKSTON, MI 48348 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $75 | $3K | 10.17% |
| JEREMY SAMPSEL3 | 401 HALL ST SW STE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $649 | $658 | $1K | 3.90% |
| HOWARD J HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $462 | $96 | $558 | 1.67% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $37 | $101 | 0.30% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT N JACKSON, MI 49201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 0.21% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $13 | $65 | 0.19% |
| BRANDON MARCELLO CENTO3 | 13816 FERNLEAF WAY CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.14% |
| FANTASIA MARIE JONES3 | 420 CEDAR ST, APT 4 PAW PAW, MI 49079 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.02% |
| DAVID EDWARD GRANT3 | 431 MEADOWIND CT PINCKNEY, MI 48169 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| SPIES CONSULTING GROUP3 | 4301 ORCHARD LAKE WEST BLOOMFIELD, MI 48323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| MICHAEL EDWARD HOOVER3 | 206 LAKE STREET ELK RAPIDS, MI 49629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| JT PREMIER HOLDINGS LLC3 | 2620 WINESAP DRIVE NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED | $3K | $0 | $3K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 4609 WATERBURY DR. CLARKSTON, MI 48348 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $44 | $2K | 9.48% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $627 | $2K | 9.24% |
| HOWARD J HOROWITZ3 | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $506 | $96 | $602 | 2.59% |
| JEREMY SAMPSEL3 | 401 HALL ST SW STE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | $157 | $338 | 1.45% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $25 | $94 | 0.40% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $26 | $71 | 0.31% |
| BRANDON MARCELLO CENTO3 | 13816 FERNLEAF WAY CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.21% |
| CYNTHIA SUSANNE EVERY3 | 212 W DUNCAN ST MANCHESTER, MI 48158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.20% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT N JACKSON, MI 49201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.04% |
| DAVID EDWARD GRANT3 | 431 MEADOWIND CT PINCKNEY, MI 48169 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| SPIES CONSULTING GROUP3 | 4301 ORCHARD LAKE WEST BLOOMFIELD, MI 48323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| MICHAEL EDWARD HOOVER3 | 206 LAKE ST ELK RAPIDS, MI 49629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 51 | $359K |
| Dental | DELTA DENTAL OF MICHIGAN | 417 | $148K |
| Vision | EYEMED | 410 | $27K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $66K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 28 | $57K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $125K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 51 | $359K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.