| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID N SOKOL3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | PRIORITY HEALTH INSURANCE COMPANY | $28K | — | $28K | 4.00% |
| DAVID N SOKOL3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | PRIORITY HEALTH | $12K | — | $12K | 4.24% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 13.83% |
| TRUE NETWORK ADVISORS3 | 385 GUNTER AVENUE GUNTERSVILLE, AL 35976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.84% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE #330 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.33% |
| DIANNA LYNN ATCHISON3 | 225 EAST DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $646 | $219 | $865 | 21.06% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $37 | $252 | 6.13% |
| JEREMY SAMPSEL3 | 401 HALL STREET SOUTHWEST GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $136 | $230 | 5.60% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT NORTH STREET JACKSON, MI 49201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $24 | $193 | 4.70% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 1.00% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DRIVE SOUTHWEST WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $13 | $26 | 0.63% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASOCS INC | 410 WEST UNIVERSITY DRIVE ROCHESTER, MI 48307 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.37% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.32% |
| ROBIN W BASIL3 | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.22% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.17% |
| NORTHWEST ENROLLX LLC3 | 7656 TOWNSHIP ROAD 94 FINDLAY, OH 45840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.17% |
| DAN YAARY3 | 13303 CREEKVIEW ROAD PROSPECT, KY 40059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.12% |
| DAVID L SMELCER3 | PO BOX 356 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 162 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $144K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 241 | $17K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $148K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $144K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.