| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASSANDRA HAWKINS3 | 502 RAILROAD AVE TRAVERSE CITY, MI 496869686 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $195K | $0 | $195K | 2.63% |
| DENISE LEWANIAK3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | $0 | $41K | 0.56% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCE PARTNERS INC | 500 GRISWOLD, SUITE 2700 DETROIT, MI 482268226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $845 | $845 | 0.01% |
| DENISE LEWANIAK3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | BLUE CARE NETWORK OF MICHIGAN | $26K | $0 | $26K | 2.71% |
| CASSANDRA HAWKINS3 | 502 RAILROAD AVE TRAVERSE CITY, MI 496869686 | BLUE CARE NETWORK OF MICHIGAN | $9K | $0 | $9K | 0.94% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCE PARTNERS INC | 500 GRISWOLD, SUITE 2700 DETROIT, MI 482268226 | BLUE CARE NETWORK OF MICHIGAN | $0 | $504 | $504 | 0.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES. LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $42K | $42K | 5.13% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 1.42% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | DELTA DENTAL OF MICHIGAN | $19K | — | $19K | 3.32% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | RELIASTAR LIFE INSURANCE COMPANY | $46K | $0 | $46K | 40.23% |
| TIMOTHY BIRDSONG3 | 333 W GRANDVIEW PKWY TRAVERSE CITY, MI 49684 | RELIASTAR LIFE INSURANCE COMPANY | $15K | $0 | $15K | 13.41% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS | PO BOX 43 INDIANOLA, IA 501250043 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $577 | $577 | 0.50% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 9.96% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $771 | $2K | 15.46% |
| DONNA TROXELL3 | 706 WESTWOOD DRIVE GIBSONIA, PA 15044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $864 | $593 | $1K | 10.11% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 9.97% |
| DAVID W OTTINGER3 | 111 CURRY HILL RD LEMONT FURNACE, PA 15456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $57 | $189 | 1.31% |
| TERESA LYNN FOUTZ3 | 1877 LEALAND AVE POLAND, OH 44514 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.12% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA BRIAN PATTEN | 102 PEPPERGRASS ROAD BADEN, PA 15005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $3 | $15 | 0.10% |
| BYRON ALLEN BRAY3 | 111 MINNOCK DR MARS, PA 16046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.08% |
| JOSEPH W CALABRO SR3 Filed as: JOSEPH W CALABRO, SR | 36 ROBINHOOD DR. CRANBERRY, PA 16066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR WASHINGTON, PA 15301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $36 | $45 | $81 | 6.70% |
| DONNA TROXELL3 | 706 WESTWOOD DRIVE GIBSONIA, PA 15044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | $38 | $62 | 5.13% |
| TERESA LYNN FOUTZ3 | 1877 LEALAND AVE POLAND, OH 44514 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.41% |
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 | 1,408 | 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) | 1,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,616 | $8.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,871 | $575K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,616 | $7.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,408 | $818K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,408 | $818K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,408 | $818K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,616 | $8.4M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,408 | $970K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,871 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.