| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | SYMETRA LIFE INSURANCE COMPANY | $93K | $30K | $124K | 21.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT SPECIALTY INSURANCE SE | 9201 SPECTRUM BOULEVARD FLOOR 2 SAN DIEGO, CA 92123 | SYMETRA LIFE INSURANCE COMPANY | — | $7K | $7K | 1.31% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER, MI 48307 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 1.98% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | VISION SERVICE PLAN | $6K | — | $6K | 4.77% |
| STRATEGIC SERVICES GROUP3 | 245 BARLCAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 7.41% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.17% |
| MYRNA L MURRAY3 | 2114 BOSTON BOULEVARD SUITE 2 LANSING, MI 48910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $513 | — | $513 | 0.42% |
| BETHANY M MCDADE3 | 546 NORTH DARTMOUTH STREET KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $448 | — | $448 | 0.37% |
| JORDAN WHITE3 | 3779 INNSBRUCK LANE NORTHWEST GRAND RAPIDS, MI 49544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | — | $439 | 0.36% |
| SAMANTHA M BENEDETTI3 | 2922 FULLER AVENUE NORTHWEST SUSITE 202 GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $412 | — | $412 | 0.34% |
| MORJORIE L MOE3 | 7343 NORTH SHORE DRIVE SOUTH HAVEN, MI 49090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $374 | — | $374 | 0.31% |
| SARAH E MEANY3 | 2710 HAMPSHIRE BOULEVARD SOUTHEAST GRAND RAPIS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $374 | — | $374 | 0.31% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY M MESSENGER | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $299 | — | $299 | 0.25% |
| MONICA M MILLER3 | 2922 FULLER AVENUE NORTHEAST GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283 | — | $283 | 0.23% |
| GLORIA A HANSEN3 | 1055 PEPPERTREE DRIVE APARTMENT 202 SARASOTA, FL 34242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $266 | — | $266 | 0.22% |
| TREVOR A SMALL3 | 4200 WEST MICHIGAN AVENUE KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | — | $153 | 0.13% |
| ROBERT L PARSONS3 Filed as: ROBERT L PARKSON | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 0.12% |
| JEFFREY C WERNER3 | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 0.10% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.07% |
| CAREN RUTH LIEBERMAN3 Filed as: CAREN R LIEBERMAN | 4406 MAR MOOR LANSING, MI 48917 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.07% |
| VANESSA L TORRES3 | 5316 ARLINGTON CIRCLE HANOVER PARK, IL 60133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.06% |
| PENNY SALISBURY3 Filed as: PENNY K SALISBURY | 535 NORTH MAIN STREET WAYLAND, MI 49348 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.05% |
| SAMANTHA SEDLAK3 Filed as: SAMANTHA R SEDLAK | 0677 73RD AND A HALF STREET SOUTH HAVEN, MI 49090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.05% |
| RANDALL L KIMBLER3 | 2849 5TH STREET SHELBYVILLE, MI 49344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.05% |
| MATTHEW P JOHNSON3 | 1002 WEST GRAND RIVER WILLIAMSTON, MI 48895 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.04% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.04% |
| RONALD A DASHKOVITZ3 | 1901 NORTH FAIRVIEW AVENUE LANSING, MI 48912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| EL TORRO INC3 | 5425 MILLS RIDGE DRIVE SOUTHWEST WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| HEIDI E GLAUB3 | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| MYRNA L MURRAY3 | 2114 BOSTON BOULEVARD SUITE 2 LANSING, MI 48910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA J LANGER | 1901 ACORN DRIVE ST JOSEPH, MI 49085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| HEATHER A DOLLIVER3 | 212 WEST SILVER LAKE ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 830 JUANITA RAEL WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JIM M BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JEFFREY C WERNER3 | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | 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% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CAREN RUTH LIEBERMAN3 Filed as: CAREN R LIEBERMAN | 4406 MAR MOOR LANSING, MI 48917 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | TELADOC | $5K | — | $5K | 14.34% |
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 | 953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,513 | $571K |
| Vision | VISION SERVICE PLAN | 872 | $127K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 860 | $573K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 860 | $573K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 860 | $573K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,029 | $730K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,513 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.