| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER, MI 48307 | DELTA DENTAL OF MICHIGAN | $10K | $0 | $10K | 1.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 0.49% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $111 | $0 | $111 | 0.01% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER HILLS, MI 48307 | SYMETRA LIFE INSURANCE COMPANY | $83K | $37K | $120K | 19.54% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT SPECIALTY INSURANCE SVCS | 18100 VON KARMAN AVENUE, SUITE 1000 IRVINE, CA 92612 | SYMETRA LIFE INSURANCE COMPANY | $0 | $27K | $27K | 4.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 NORTH GREENE STREET, SUITE 101 GREENSBORO, NC 27401 | SYMETRA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.24% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER HILLS, MI 48307 | VISION SERVICE PLAN | $8K | $0 | $8K | 3.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $3K | $0 | $3K | 1.42% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 5.83% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.36% |
| HILARY R EBNER3 Filed as: HILARY R. EBNER AND OTHER AGENTS | 31201 CHICAGO ROAD SOUTH SUITE A103 WARREN, MI 48093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.46% |
| SCOTT W DAVIDSON3 Filed as: SCOTT W. DAVIDSON | 32630 SANDRA WESTLAND, MI 48185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.08% |
| MYRNA L MURRAY3 Filed as: MYRNA L. MURRAY | 2114 BOSTON BOULEVARD, SUITE 2 LANSING, MI 48910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $601 | $0 | $601 | 0.45% |
| BETHANY M MCDADE3 Filed as: BETHANY M. MCDADE | 546 NORTH DARMOUTH STREET KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $377 | $0 | $377 | 0.28% |
| GLORIA A HANSEN3 Filed as: GLORIA A. HANSEN | 1055 PEPPERTREE DRIVE, APT 202 SARASOTA, FL 34242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $305 | $0 | $305 | 0.23% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 10.00% |
| SCHILLER & ASSOCIATES LLC4 Filed as: SCHILLER AND ASSOCIATES LLC | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 7.00% |
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 | 1,118 | 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) | 1,118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,987 | $747K |
| Vision | VISION SERVICE PLAN | 1,587 | $221K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,118 | $612K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,118 | $612K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,118 | $612K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,212 | $842K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,987 | — |
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.