| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ERWIN3 | 11995 CHEROKEE CIRCLE SHELBY TOWNSHIP, MI 48316 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | — | $31K | 3.20% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.10% |
| DAVID ERWIN3 | 11995 CHEROKEE CIRCLE SHELBY TOWNSHIP, MI 48315 | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 2.86% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $348 | $348 | 0.10% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $11K | $90 | $11K | 9.97% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MN 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $322 | $9K | 11.60% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVENUE GUNTERSVILLE, AA 35976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $803 | — | $803 | 1.00% |
| DIANNA LYNN ATCHISON3 | 225 EAST DIVISION STREET ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $653 | $2K | 26.66% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $656 | $132 | $788 | 9.24% |
| JEREMY SAMPSEL3 | 401 HALL STREET SOUTHWEST SUITE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | $156 | $394 | 4.62% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT NORTH JACKSON, MI 49201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 2.34% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DRIVE SOUTHWEST WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $5 | $20 | 0.23% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASOCS INC | 410 WEST UNIVERSITY DRIVE ROCHESTER, MI 48307 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.16% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.13% |
| NORTHWEST ENROLLX LLC3 | 7656 TOWNSHIP ROAD 94 FINDLAY, OH 45840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| DAN YAARY3 | 13303 CREEKVIEW ROAD PROSPECT, KY 40059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| DAVID L SMELCER3 | 3137 TOWNSHIP ROAD 97 MCCOMB, OH 45858 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 162 | 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) | 162 | 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 | 208 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 308 | $108K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $80K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $89K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $80K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 208 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
No prospect flags tripped on this filing.