| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENDA R MANNING3 | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 496869686 | BLUE CARE NETWORK OF MICHIGAN | $54K | — | $54K | 2.35% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCE PARTNERS | 500 GRISWOLD SUITE 2700 DETROIT, MI 482268226 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.05% |
| BRENDA MANNING3 Filed as: BRENDA A MANNING | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 3.00% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 5.00% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | EYEMED VISION CARE | $3K | — | $3K | 10.01% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON-MCGREGOR AND ASSOCIATES | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 496868640 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $26 | $5K | 21.53% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 495019501 | METROPOLITAN LIFE INSURANCE COMPANY | $466 | $49 | $515 | 2.29% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR AND ASSOCIATES | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 496868640 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $26 | $3K | 22.03% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | $217 | $37 | $254 | 1.77% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON-MCGREGOR AND ASSOCIATES | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 496868640 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $26 | $3K | 23.82% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | $210 | $32 | $242 | 1.97% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $550 | — | $550 | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$436 | $711 | $275 | 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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 398 | $2.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 489 | $217K |
| Vision | EYEMED VISION CARE | 429 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 461 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $35K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 398 | $2.3M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 461 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.