| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATHER ENGEL3 | 1150 BOYNE AVE BOYNE CITY, MI 49712 | PRIORITY HEALTH INSURANCE COMPANY | $337K | $0 | $337K | 2.27% |
| CASSANDRA HAWKINS3 | 502 RAILROAD AVE, UNIT A TRAVERSE CITY, MI 49686 | PRIORITY HEALTH INSURANCE COMPANY | $109K | $0 | $109K | 0.73% |
| HEATHER ENGEL3 | 1150 BOYNE AVE BOYNE CITY, MI 49712 | PRIORITY HEALTH INSURANCE COMPANY | $63K | $0 | $63K | 2.53% |
| CASSANDRA HAWKINS3 | 502 RAILROAD AVE, UNIT A TRAVERSE CITY, MI 49686 | PRIORITY HEALTH INSURANCE COMPANY | $21K | $0 | $21K | 0.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $86K | $86K | 6.16% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVE. BOYNE CITY, MI 49712 | HARTFORD LIFE AND ACCIDENT | $66K | $0 | $66K | 4.75% |
| HIGH STREET INSURANCE PARTNERS, INC3 | 305 WEST FRONT STREET TRAVERSE CITY, MI 49684 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 0.66% |
| FLINN FINANCIAL, INC.3 Filed as: FLINN FINANCIAL, INC. - H. ENGEL | 1150 BOYNE AVE BOYNE CITY, MI 49712 | DELTA DENTAL OF MICHIGAN | $21K | $0 | $21K | 1.84% |
| FLINN FINANCIAL, INC.3 Filed as: FLINN FINANCIAL, INC. - C. HAWKINS | 1150 BOYNE AVE BOYNE CITY, MI 49712 | DELTA DENTAL OF MICHIGAN | $21K | $0 | $21K | 1.82% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVE BOYNE CITY, MI 49712 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $0 | $5K | 10.13% |
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 | 3,571 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH INSURANCE COMPANY | 2,486 | $17.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 3,334 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,316 | $1.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,316 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,316 | $1.4M |
| Prescription drug(2 contracts) | PRIORITY HEALTH INSURANCE COMPANY | 2,486 | $17.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,316 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,334 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.