| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 1.95% |
| HIGHSTREET INSURANCE PARTNERS3 | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 1.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DELTA DENTAL OF MICHIGAN | $681 | $0 | $681 | 0.39% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES INC | 1368 BUSINESS APRK DRIVE TEAVERSE CITY, MI 49686 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 4.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMAPNIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 4.17% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLINGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $495 | $3K | 2.99% |
| HIGHSTREET INSURANCE SERVICES3 | 305 WEST FRONT STREET SUITE 201 TRACERSE CITY, MI 49684 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $745 | $0 | $745 | 3.14% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES INC | 1368 BUSINESS PARK DRIVE TEAVERSE CITY, MI 49686 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $195 | $0 | $195 | 0.82% |
| BRENDA R MANNING3 | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $24K | $0 | $24K | 1234.65% |
| ELAINE C. COFFMAN3 Filed as: ELAINE C COFFMAN | 325 NORTH OLD WOODWARE AVENUE SUITE 370 BIRMINGHAM, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $24K | $0 | $24K | 1222.44% |
| TRIENA M ATKINSON3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $10K | $0 | $10K | 502.13% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCE PARTNERS INC | 500 GRISWOLD SUITE 2700 DETROIT, MI 48226 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 113.45% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 330 | $2K |
| Dental | DELTA DENTAL OF MICHIGAN | 397 | $175K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 344 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $99K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $99K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 330 | $2K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.