| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENDA R MANNING3 Filed as: BRENDA R. MANNING | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | BLUE CARE NETWORK OF MICHIGAN | $103K | $0 | $103K | 5.09% |
| HIGH STREET INS PARTNERS, INC.3 | 500 GRISWOLD, SUITE 2700 DETROIT, MI 48226 | BLUE CARE NETWORK OF MICHIGAN | $0 | $3K | $3K | 0.13% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES, INC | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 3.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $8K | $12K | 11.46% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES, INC | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 10.00% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATION INC | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.32% |
| HIGHSTREET INSURANCE PARTNERS3 Filed as: HIGHSTREET INS SVCS GREAT LAKES INC | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.05% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.04% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES, INC | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.11% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 344 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 420 | $190K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 373 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $100K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $100K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 344 | $2.0M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.