| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $25K | $0 | $25K | 8.46% |
| BECKY SUTHERLAND3 Filed as: BECKY MCLAUGHLAN | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $9K | $362 | $9K | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 WEST BIG BEAVER ROAD TROY, MI 48084 | EYEMED | $2K | $0 | $2K | 7.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED | $554 | $0 | $554 | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 4609 WATERBURY DR CLARKSTON, MI 48348 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $162 | $3K | 11.20% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $32 | $1K | 5.95% |
| JEREMY SAMPSEL3 | 3030 S 9TH ST KALAMAZOO, MI 49009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $316 | $594 | $910 | 3.69% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $382 | $129 | $511 | 2.07% |
| DANIEL CHRISTIAN3 | 1391 S PUGET DR STE A32 RENTON, WA 98055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $380 | $450 | 1.83% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $275 | $2 | $277 | 1.12% |
| MICHELE L MILLER3 Filed as: MICHELE LEE MILLER | 10764 WILSON AVE SW BYRON CENTER, MI 49315 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $225 | $0 | $225 | 0.91% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DR MACOMB, MI 48402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $169 | $0 | $169 | 0.69% |
| DENA ANN MARTHA3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.30% |
| BRANDON MARCELLO CENTO3 Filed as: BRANDON MARCELLO CENTRO | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $26 | $70 | 0.28% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DR MACOMB, MI 48044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $3 | $43 | 0.17% |
| DAVID EDWARD GRANT3 | 55067 WESTCHESTER DR SHELBY TWP, MI 48316 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $13 | $39 | 0.16% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 48025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $6 | $39 | 0.16% |
| SPIES CONSULTING GROUP3 | 4301 ORCHARD LAKE WEST BLOOMFIELD, MI 48323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $1 | $27 | 0.11% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 40825 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $2 | $11 | 0.04% |
| PARRISH J PEACHEE3 | 6152 PUNKINVINE RD LEBANON, IN 46052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| MICHAEL EDWARD HOOVER3 | 206 LAKE STREET ELK RAPIDS, MI 49629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.02% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 61 | $293K |
| Dental | DELTA DENTAL | 558 | $189K |
| Vision | EYEMED | 525 | $31K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $57K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 23 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $112K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 61 | $293K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.