| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS H ROEHM3 Filed as: DOUGLAS H. ROEHM | 5925 MERIDAN BOULEVARD SUITE 300 BRIGHTON, MI 48166 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $368K | — | $368K | 3.96% |
| AFFILIATED AGENCIES LLC3 | 16401 EAST 9 MILE ROAD EASTPOINTE, MI 48021 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $12K | $12K | 0.13% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BOULEVARD FLOOR 2 BRIGHTON, MI 48116 | DELTA DENTAL OF MICHIGAN | $14K | $6K | $19K | 2.83% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | SYMETRA LIFE INSURANCE COMPANY | $95K | $34K | $130K | 20.38% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | — | $35K | 15.40% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | — | $30K | 13.18% |
| MYRNA L MURRAY3 | 2114 BOSTON BOULEVARD SUITE 2 LANSING, MI 48910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.46% |
| VANESSA L TORRES3 | 5316 ARLINGTON CIRCLE HANOVER PARK, IL 60133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $758 | — | $758 | 0.34% |
| TREVOR A SMALL3 | 4200 WEST MICHIGAN AVENUE KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $705 | — | $705 | 0.31% |
| ROBERT L PARSONS3 | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $692 | — | $692 | 0.31% |
| GLORIA A HANSEN3 | 1055 PEPPERTREE DRIVE APT 202 SARASOTA, FL 34242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $562 | — | $562 | 0.25% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY M MESSENGER | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $337 | — | $337 | 0.15% |
| EL TORRO INC3 | 14031 JOHN HUMPHREY DRIVE ORLAND PARK, IL 60462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | — | $312 | 0.14% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA J LANGER | 1901 ACORN DRIVE ST JOSEPH, MI 49085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $275 | — | $275 | 0.12% |
| JEFFREY C WERNER3 | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | — | $223 | 0.10% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.08% |
| CAREN RUTH LIEBERMAN3 Filed as: CAREN R LIEBERMAN | 4406 MARMOOR LANSING, MI 48917 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.05% |
| RANDALL L KIMBLER3 | 2849 5TH STREET SHELBYVILLE, MI 49344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.05% |
| PENNY SALISBURY3 Filed as: PENNY K SALISBURY | 535 NORTH MAIN STREET WAYLAND, MI 49348 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.04% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.04% |
| MATTHEW P JOHNSON3 | 1002 WEST GRAND RIVER WILLIAMSTON, MI 48895 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.03% |
| RONALD A DASHKOVITZ3 | 1901 NORTH FAIRVIEW AVENUE LANSING, MI 48912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.02% |
| MYRNA L MURRAY3 | 2114 BOSTON BOULEVARD SUITE 2 LANSING, MI 48910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.02% |
| HEIDI E GLAUB3 | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| HEATHER A DOLLIVER3 | 212 WEST SILVER LAKE ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 830 JUANITA RAEL WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| JEFFREY C WERNER3 | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JIM M BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CAREN RUTH LIEBERMAN3 Filed as: CAREN R LIEBERMAN | 4406 MARMOOR LANSING, MI 48917 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| STEPHANIE L KESSELRING3 | 4112 WEST OAKELLAR AVENUE TAMPA, FL 33611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | VISION SERVICE PLAN | $7K | — | $7K | 5.00% |
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 | 1,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,646 | $9.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,746 | $684K |
| Vision | VISION SERVICE PLAN | 1,012 | $147K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,070 | $637K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,070 | $637K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,070 | $637K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,646 | $9.3M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,070 | $862K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,746 | — |
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.