| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 10575 KATY FWY HOUSTON, TX 77024 | LLOYDS | $35K | — | $35K | 8.00% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTRY INSURANCE AGENCY | DBA CADENCE INSURANCE 10260 WESTHEIMER ROAD SUITE 180 HOUSTON, TX 770423110 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | — | $31K | 10.35% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTRY INSURANCE AGCY | 10575 KATY FWY STE 150 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 22.98% |
| REGIONS INSURANCE INC3 | 1901 6TH AVENUE NORTH BIRMINGHAM, AL 352032618 | UNITEDHEALTHCARE INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER RD SUITE 180 HOUSTON, TX 770423110 | TELADOC CLIENT SERVICES | $2K | — | $2K | 12.84% |
| BENEFIT BUILDERS LLC3 | 4200 W MICHIGAN AVE SUITE 102 KALAMAZOO, MI 49006 | AFLAC | $325 | — | $325 | 5.48% |
| ROBERT M BLATCHFORD3 | 3829 ROLLRIDGE AVE KALAMAZOO, MI 49004 | AFLAC | $99 | — | $99 | 1.67% |
| MARK EDWARD CASE3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $82 | — | $82 | 1.38% |
| DIANE E ROELLCHEN3 | P.O. BOX 2502 KALAMAZOO, MI 49003 | AFLAC | $48 | — | $48 | 0.81% |
| TIM WOODARD3 | 614 CEDAR CT JONESVILLE, MI 49009 | AFLAC | $38 | — | $38 | 0.64% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $29 | — | $29 | 0.49% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $18 | — | $18 | 0.30% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | AFLAC | $17 | — | $17 | 0.29% |
| JEREMY D SAMPSEL3 | 3030 S 9TH STREET SUITE 2K KALAMAZOO, MI 49009 | AFLAC | $17 | — | $17 | 0.29% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $16 | — | $16 | 0.27% |
| JOHN F GLAUB3 | 54369 30TH STREET SOUTH BEND, IN 46635 | AFLAC | $9 | — | $9 | 0.15% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DRIVE SPRING LAKE, MI 49458 | AFLAC | $9 | — | $9 | 0.15% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $3 | — | $3 | 0.05% |
| JEFFRY D DEKAM3 | 3185 MACATAWA DRIVE SW SUITE D GRANDVILLE, MI 49418 | AFLAC | $3 | — | $3 | 0.05% |
| THOMAS E MILLER3 | 2426 OUTLOOK STREET KALAMAZOO, MI 49001 | AFLAC | $2 | — | $2 | 0.03% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | — | $2 | 0.03% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.03% |
| JAMES C SNIDER JR3 | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | AFLAC | $2 | — | $2 | 0.03% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DR SUITE 600 OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.02% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.02% |
| AG AND ASSOCIATES3 | 2150 ASSCOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.02% |
| ALAN J ZUCCARI INC3 Filed as: ALAN BERGMAN | 2831 KISTLER RD BATTLE CREEK, MI 49014 | AFLAC | $0 | — | $0 | 0.00% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILLFORD, MI 48380 | AFLAC | $0 | — | $0 | 0.00% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $0 | — | $0 | 0.00% |
| BENEFIT BUILDERS LLC3 | 4200 W MICHIGAN AVE SUITE 102 KALAMAZOO, MI 49006 | AFLAC | $61 | — | $61 | 7.01% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DRIVE SPRING LAKE, MI 49458 | AFLAC | $33 | — | $33 | 3.79% |
| MARK R DECKARD3 Filed as: MARK R. DECKARD | 5298 FREDERICKS STAND SOUTH LEBANON, OH 45065 | AFLAC | $17 | — | $17 | 1.95% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $9 | — | $9 | 1.03% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $0 | — | $0 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 N/A | Contract Administrator Service code 13 | — | $33K |
| RX BENEFITS INC. EIN 63-1157085 N/A | Contract Administrator Service code 13 | — | $8K |
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 | 938 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC CLIENT SERVICES | 939 | $13K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,265 | $302K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $91K |
| Stop-loss / reinsurancereinsurance | LLOYDS | 700 | $442K |
| Other(2 contracts) | AFLAC | 1 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,265 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.