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          <CityNm>LANSING</CityNm>
          <StateAbbreviationCd>MI</StateAbbreviationCd>
          <ZIPCd>48933</ZIPCd>
        </USAddress>
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      <SupplementalInformationDetail>
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      <CompensationSurveyInd>X</CompensationSurveyInd>
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        <PersonNm>WILLIAM J HALLAN</PersonNm>
        <TitleTxt>PRESIDENT/CEO</TitleTxt>
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        <BonusRelatedOrganizationsAmt>151750</BonusRelatedOrganizationsAmt>
        <OtherCompensationRltdOrgsAmt>6915</OtherCompensationRltdOrgsAmt>
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      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>THOMAS TUGGLE</PersonNm>
        <TitleTxt>SVP MEM &amp; SALES</TitleTxt>
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        <BonusRelatedOrganizationsAmt>37225</BonusRelatedOrganizationsAmt>
        <OtherCompensationRltdOrgsAmt>2791</OtherCompensationRltdOrgsAmt>
        <DeferredCompRltdOrgsAmt>60277</DeferredCompRltdOrgsAmt>
        <NontaxableBenefitsRltdOrgsAmt>35949</NontaxableBenefitsRltdOrgsAmt>
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      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>KURT DETTMER</PersonNm>
        <TitleTxt>SVP BUSINESS DEVELOP</TitleTxt>
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        <BonusRelatedOrganizationsAmt>49520</BonusRelatedOrganizationsAmt>
        <OtherCompensationRltdOrgsAmt>1611</OtherCompensationRltdOrgsAmt>
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        <TotalCompensationRltdOrgsAmt>286976</TotalCompensationRltdOrgsAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>TOM CLEMENT</PersonNm>
        <TitleTxt>VP OP. &amp; GEN COUNSEL</TitleTxt>
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        <BonusRelatedOrganizationsAmt>29244</BonusRelatedOrganizationsAmt>
        <OtherCompensationRltdOrgsAmt>5676</OtherCompensationRltdOrgsAmt>
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      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>AMY DRUMM</PersonNm>
        <TitleTxt>SVP GOVT AFFAIRS</TitleTxt>
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        <BonusRelatedOrganizationsAmt>28850</BonusRelatedOrganizationsAmt>
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      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>LAURA SCHILLING</PersonNm>
        <TitleTxt>VP UNDERWRITING</TitleTxt>
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        <NontaxableBenefitsRltdOrgsAmt>14167</NontaxableBenefitsRltdOrgsAmt>
        <TotalCompensationRltdOrgsAmt>172538</TotalCompensationRltdOrgsAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>CHERYL MEDLER</PersonNm>
        <TitleTxt>VP FINANCE</TitleTxt>
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        <BonusRelatedOrganizationsAmt>18052</BonusRelatedOrganizationsAmt>
        <OtherCompensationRltdOrgsAmt>191</OtherCompensationRltdOrgsAmt>
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        <NontaxableBenefitsRltdOrgsAmt>17682</NontaxableBenefitsRltdOrgsAmt>
        <TotalCompensationRltdOrgsAmt>163792</TotalCompensationRltdOrgsAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>JAMES P HALLAN</PersonNm>
        <TitleTxt>FORMER OFFICER</TitleTxt>
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        <DeferredCompRltdOrgsAmt>1280</DeferredCompRltdOrgsAmt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990</FormAndLineReferenceDesc>
        <ExplanationTxt>ALL LINES LEFT BLANK ARE NOT APPLICABLE TO THE ORGANIZATION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>MRA IS A MEMBER ORGANIZATION WHERE REGULAR AND ASSOCIATE MEMBERS ARE ENTITLED TO ONE VOTE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>ALL DIRECTORS, EXCEPT POSITIONS REQUIRED IN THE BYLAWS, ARE ELECTED AT THE ANNUAL MEMBERSHIP MEETING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7B</FormAndLineReferenceDesc>
        <ExplanationTxt>MEMBERS ARE REQUIRED TO APPROVE AMENDMENTS TO THE ARTICLES OF INCORPORATION. NO OTHER DECISIONS OF THE BOARD REQUIRE APPROVAL BY MEMBERS OR OTHER PERSONS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 10B</FormAndLineReferenceDesc>
        <ExplanationTxt>NO LOCAL CHAPTERS OR BRANCHES. HOWEVER, MRA DOES HAVE AFFILIATES AND ALL HAVE OPERATING BYLAWS AND MANAGEMENT CONTRACTS WHERE APPROPRIATE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>A COPY OF THE FORM 990 WAS EMAILED TO ALL MRA BOARD MEMBERS FOR THEIR REVIEW. BOARD MEMBERS HAD TEN BUSINESS DAYS TO REVIEW, ASK QUESTIONS, OR REPORT CONCERNS BEFORE THE FORM 990 WAS FILED.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>BOARD MEMBERS AND OFFICERS ARE ANNUALLY REQUIRED TO SIGN A CONFLICT OF INTEREST POLICY. POTENTIAL CONFLICTS, IF ANY, ARE DISCLOSED IN THE NORMAL COURSE OF BUSINESS, ARE REPORTED, AND ABSTENTION OF VOTE ON TOPICS WHEN REQUIRED.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PROCESS FOR DETERMINING COMPENSATION FOR CEO OF THE ORGANIZATION INVOLVES THE FOLLOWING: UTILIZING THE COMPENSATION COMMITTEE, INDEPENDENT CONSULTANTS, REVIEWING OTHER ORGANIZATIONS' 990S, COMPENSATION SURVEYS, AND FINAL APPROVAL BY THE BOARD OF DIRECTORS. THIS PROCESS IS PERFORMED ANNUALLY.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PROCESS FOR DETERMINING COMPENSATION FOR THE OFFICERS OR OTHER KEY EMPLOYEES OF THE ORGANIZATION INVOLVES THE FOLLOWING: ANNUAL REVIEW OF EMPLOYEE PERFORMED IN SEPTEMBER OF EACH YEAR. BOARD OF DIRECTORS APPROVES OVERALL AVERAGE INCREASE FOR ALL EMPLOYEES AND TOP MANAGEMENT OFFICIALS USE THE APPROVED AVERAGE AS BASE TO DETERMINE ANNUAL INCREASE OF THE OFFICERS OR KEY EMPLOYEES. SALARY INCREASES OVER AND ABOVE ANNUAL OVERALL INCREASE MUST BE APPROVED BY THE BOARD OF DIRECTORS. THIS PROCESS IS PERFORMED ANNUALLY.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.</ExplanationTxt>
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        <LegalDomicileStateCd>MI</LegalDomicileStateCd>
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        <PublicCharityStatusTxt>12B</PublicCharityStatusTxt>
        <DirectControllingEntityName>
          <BusinessNameLine1Txt>MRA</BusinessNameLine1Txt>
        </DirectControllingEntityName>
        <ControlledOrganizationInd>true</ControlledOrganizationInd>
      </IdRelatedTaxExemptOrgGrp>
      <IdRelatedTaxExemptOrgGrp>
        <DisregardedEntityName>
          <BusinessNameLine1Txt>MRA POLITICAL ACTION COMMITTEE</BusinessNameLine1Txt>
        </DisregardedEntityName>
        <USAddress>
          <AddressLine1Txt>603 S WASHINGTON AVE</AddressLine1Txt>
          <CityNm>LANSING</CityNm>
          <StateAbbreviationCd>MI</StateAbbreviationCd>
          <ZIPCd>48933</ZIPCd>
        </USAddress>
        <EIN>383547579</EIN>
        <PrimaryActivitiesTxt>LEGISLATIV</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>MI</LegalDomicileStateCd>
        <ExemptCodeSectionTxt>527</ExemptCodeSectionTxt>
        <DirectControllingEntityName>
          <BusinessNameLine1Txt>MRA</BusinessNameLine1Txt>
        </DirectControllingEntityName>
        <ControlledOrganizationInd>true</ControlledOrganizationInd>
      </IdRelatedTaxExemptOrgGrp>
      <IdRelatedOrgTxblCorpTrGrp>
        <RelatedOrganizationName>
          <BusinessNameLine1Txt>MICHIGAN RETAILERS SERVICES INC</BusinessNameLine1Txt>
        </RelatedOrganizationName>
        <USAddress>
          <AddressLine1Txt>603 S WASHINGTON AVE</AddressLine1Txt>
          <CityNm>LANSING</CityNm>
          <StateAbbreviationCd>MI</StateAbbreviationCd>
          <ZIPCd>48933</ZIPCd>
        </USAddress>
        <EIN>381814245</EIN>
        <PrimaryActivitiesTxt>MBR SERV</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>MI</LegalDomicileStateCd>
        <DirectControllingEntityName>
          <BusinessNameLine1Txt>MRA</BusinessNameLine1Txt>
        </DirectControllingEntityName>
        <EntityTypeTxt>C CORP</EntityTypeTxt>
        <ShareOfTotalIncomeAmt>851510</ShareOfTotalIncomeAmt>
        <ShareOfEOYAssetsAmt>7947422</ShareOfEOYAssetsAmt>
        <OwnershipPct>1.00000</OwnershipPct>
        <ControlledOrganizationInd>true</ControlledOrganizationInd>
      </IdRelatedOrgTxblCorpTrGrp>
      <IdRelatedOrgTxblCorpTrGrp>
        <RelatedOrganizationName>
          <BusinessNameLine1Txt>RETAILERS INSURANCE COMPANY</BusinessNameLine1Txt>
        </RelatedOrganizationName>
        <USAddress>
          <AddressLine1Txt>603 S WASHINGTON AVE</AddressLine1Txt>
          <CityNm>LANSING</CityNm>
          <StateAbbreviationCd>MI</StateAbbreviationCd>
          <ZIPCd>48933</ZIPCd>
        </USAddress>
        <EIN>203805292</EIN>
        <PrimaryActivitiesTxt>INSURANCE</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>MI</LegalDomicileStateCd>
        <DirectControllingNACd>N/A</DirectControllingNACd>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedOrgTxblCorpTrGrp>
      <IdRelatedOrgTxblCorpTrGrp>
        <RelatedOrganizationName>
          <BusinessNameLine1Txt>RETAILERS STOCK COMPANY</BusinessNameLine1Txt>
        </RelatedOrganizationName>
        <USAddress>
          <AddressLine1Txt>603 S WASHINGTON AVE</AddressLine1Txt>
          <CityNm>LANSING</CityNm>
          <StateAbbreviationCd>MI</StateAbbreviationCd>
          <ZIPCd>48933</ZIPCd>
        </USAddress>
        <EIN>320446948</EIN>
        <PrimaryActivitiesTxt>HOLDING CO</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>MI</LegalDomicileStateCd>
        <DirectControllingNACd>N/A</DirectControllingNACd>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedOrgTxblCorpTrGrp>
      <IdRelatedOrgTxblCorpTrGrp>
        <RelatedOrganizationName>
          <BusinessNameLine1Txt>RETAILERS MUTUAL HOLDING COMPANY</BusinessNameLine1Txt>
        </RelatedOrganizationName>
        <USAddress>
          <AddressLine1Txt>603 S WASHINGTON AVE</AddressLine1Txt>
          <CityNm>LANSING</CityNm>
          <StateAbbreviationCd>MI</StateAbbreviationCd>
          <ZIPCd>48933</ZIPCd>
        </USAddress>
        <EIN>364791936</EIN>
        <PrimaryActivitiesTxt>HOLDING CO</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>MI</LegalDomicileStateCd>
        <DirectControllingNACd>N/A</DirectControllingNACd>
        <ControlledOrganizationInd>false</ControlledOrganizationInd>
      </IdRelatedOrgTxblCorpTrGrp>
      <ReceiptOfIntAnntsRntsRyltsInd>true</ReceiptOfIntAnntsRntsRyltsInd>
      <GiftGrntOrCapContriToOthOrgInd>true</GiftGrntOrCapContriToOthOrgInd>
      <GiftGrntCapContriFromOthOrgInd>false</GiftGrntCapContriFromOthOrgInd>
      <LoansOrGuaranteesToOtherOrgInd>false</LoansOrGuaranteesToOtherOrgInd>
      <LoansOrGuaranteesFromOthOrgInd>false</LoansOrGuaranteesFromOthOrgInd>
      <DivRelatedOrganizationInd>false</DivRelatedOrganizationInd>
      <AssetSaleToOtherOrgInd>false</AssetSaleToOtherOrgInd>
      <AssetPurchaseFromOtherOrgInd>false</AssetPurchaseFromOtherOrgInd>
      <AssetExchangeInd>false</AssetExchangeInd>
      <RentalOfFacilitiesToOthOrgInd>false</RentalOfFacilitiesToOthOrgInd>
      <RentalOfFcltsFromOthOrgInd>false</RentalOfFcltsFromOthOrgInd>
      <PerformOfServicesForOthOrgInd>true</PerformOfServicesForOthOrgInd>
      <PerformOfServicesByOtherOrgInd>true</PerformOfServicesByOtherOrgInd>
      <SharingOfFacilitiesInd>true</SharingOfFacilitiesInd>
      <PaidEmployeesSharingInd>true</PaidEmployeesSharingInd>
      <ReimbursementPaidToOtherOrgInd>true</ReimbursementPaidToOtherOrgInd>
      <ReimbursementPaidByOtherOrgInd>true</ReimbursementPaidByOtherOrgInd>
      <TransferToOtherOrgInd>false</TransferToOtherOrgInd>
      <TransferFromOtherOrgInd>false</TransferFromOtherOrgInd>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>MICHIGAN RETAILERS SERVICES INC</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>M</TransactionTypeTxt>
        <InvolvedAmt>738008</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>COST</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>RETAILERS INSURANCE COMPANY</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>L</TransactionTypeTxt>
        <InvolvedAmt>1178613</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>COST</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>RETAILERS INSURANCE COMPANY</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>A</TransactionTypeTxt>
        <InvolvedAmt>37500</InvolvedAmt>
        <MethodOfAmountDeterminationTxt>COST</MethodOfAmountDeterminationTxt>
      </TransactionsRelatedOrgGrp>
    </IRS990ScheduleR>
  </ReturnData>
</Return>
