| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXTERNAL AGENT3 | — | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 309 WEBSTER ST DAYTON, OH 45402 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 8.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 8.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 4609 WATERBURY DR CLARKSTON, MI 48348 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $84 | $3K | 10.54% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $189 | $2K | 5.89% |
| JEREMY SAMPSEL3 | 401 HALL ST SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $368 | $602 | $970 | 3.74% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $240 | $325 | $565 | 2.18% |
| DENA ANN MARTHA3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $328 | $2 | $330 | 1.27% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DR MACOMB, MI 48402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 0.47% |
| RICHARD LEWIS MULLIGAN3 | 441 HOWARD STREET SE GRAND RAPIDS, MI 49507 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.32% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $4 | $46 | 0.18% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.18% |
| MICHAEL EDWARD HOOVER3 | 206 LAKE STREET ELK RAPIDS, MI 49629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.18% |
| MICHELE L MILLER3 Filed as: MICHELE LEE MILLER | 10764 WILSON AVE SW BYRON CENTER, MI 49315 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.10% |
| DANIEL CHRISTIAN3 | 1826 FLAGSTONE CIRCLE ROCHESTER, MI 48307 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.07% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 48025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.06% |
| DAVID EDWARD GRANT3 | 55067 WESTCHESTER DR SHELBY TWP, MI 48316 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| SPIES CONSULTING GROUP3 | 4301 ORCHARD LAKE WEST BLOOMFIELD, MI 48323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 40825 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT NORTH STREET JACKSON, MI 49201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DR MACOMB, MI 48044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED | $3K | $0 | $3K | 12.63% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 43 | $266K |
| Dental | DELTA DENTAL OF MICHIGAN | 352 | $125K |
| Vision | EYEMED | 349 | $23K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $43K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $85K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 43 | $266K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.