| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ERWIN3 | 11995 CHEROKEE CIRCLE SHELBY TOWNSHIP, MI 48315 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $42K | — | $42K | 5.37% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.43% |
| DAVID ERWIN3 | 11995 CHEROKEE CIRCLE SHELBY TOWNSHIP, MI 48315 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 4.80% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.42% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 10.47% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.66% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVENUE GUNTERSVILLE, AL 35976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $465 | — | $465 | 1.00% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE #330 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| DIANNA LYNN ATCHISON3 | 225 EAST DIVISION STREET ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $612 | $424 | $1K | 21.90% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | $29 | $346 | 7.32% |
| JEREMY SAMPSEL3 | 401 HALL STREET SOUTHWEST SUITE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $112 | $213 | 4.50% |
| MELISSA DEVON WRIGHT-HALMON3 Filed as: MELISSA DEBVON WRIGHT-HALMON | 1109 POINT NORTH JACKSON, MI 49201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 1.46% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.25% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASOCS INC | 410 WEST UNIVERSITY DRIVE ROCHESTER, MI 48307 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.23% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DRIVE SOUTHWEST WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.15% |
| NORTHWEST ENROLLX LLC3 | 7656 TOWNSHIP ROAD 94 FINDLAY, OH 45840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.13% |
| DAN YAARY3 | 13303 CREEKVIEW ROAD PROSPECT, KY 40059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| DAVID L SMELCER3 | 3137 TOWNSHIP ROAD 97 MCCOMB, OH 45858 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| ROBIN W BASIL3 | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | 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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 170 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 271 | $145K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $64K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $51K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 170 | $789K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.