| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY LLC | 26555 EVERGREEN ROAD, SUITE 535 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.18% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY LLC | 26555 EVERGREEN ROAD, SUITE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD MICHIGAN | $0 | $267 | $267 | 0.10% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY LLC | PO BOX 5069 SOUTHFIELD, MI 48086 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 5.55% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.66% |
| DIANE DIPPOLITI3 Filed as: DIANE M. DIPPOLITI | 54890 WALNUT DRIVE NEW HUDSON, MI 48165 | AFLAC | $9K | $354 | $9K | 12.96% |
| STEPHEN A GRACIN3 Filed as: STEPHEN A. GRACIN | 625 EAST BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | AFLAC | $1K | $83 | $2K | 2.19% |
| KIMBERLY VALICENTO3 | 18620 BAINBRIDGE AVENUE LIVONIA, MI 48152 | AFLAC | $1K | $83 | $1K | 1.92% |
| GABRIEL TORREZ3 Filed as: GABRIEL G. TORREZ AND OTHER AGENTS | 30800 TELEGRAPH ROAD, SUITE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $852 | $0 | $852 | 1.24% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | AFLAC | $306 | $0 | $306 | 0.44% |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD HILLS, MI 48304 | AFLAC | $265 | $0 | $265 | 0.38% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN ROAD TOLEDO, OH 43615 | AFLAC | $142 | $0 | $142 | 0.21% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 139 | $894K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $96K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $96K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $96K |
| Short-term disability | AFLAC | 61 | $69K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 139 | $894K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.