| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | ATTN KRISTA SIGMAN PO BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $103K | $1K | $104K | 15.15% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | TOKIO MARINE HCC - A&H GROUP | $14K | — | $14K | 4.00% |
| JENNIE L YURSEKO3 | 6106 W 10 1/2 RD MESICK, MI 49668 | AFLAC | $2K | $45 | $2K | 2.28% |
| DONITA J FLATT3 | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $2K | — | $2K | 2.10% |
| ERIC BOUDREAU3 | PO BOX 59 PARADISE, MI 49768 | AFLAC | $2K | — | $2K | 1.86% |
| MARGARET HANCOCK3 | 2 WHITE PINE WAY KINCHELOE, MI 49788 | AFLAC | $902 | $376 | $1K | 1.48% |
| MARTINA AREND3 | 1756 HAMMER RD KINGSLEY, MI 49649 | AFLAC | $1K | — | $1K | 1.19% |
| JULIE C HOBER3 | 2326 W 4TH AVE SAULT STE MARIE, MI 49783 | AFLAC | $698 | — | $698 | 0.81% |
| ANNA C FULLER3 | PO BOX 404 HONOR, MI 49640 | AFLAC | $686 | $7 | $693 | 0.80% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 372 W PARK ST MARQUETTE, MI 49855 | AFLAC | $570 | — | $570 | 0.66% |
| GREGORY YURESKO3 | 6106 W 10 1/2 RD MESICK, MI 49668 | AFLAC | $409 | — | $409 | 0.47% |
| JEAN L PEIFFER3 | 4716 PAW PAW LAKE RD COLOMA, MI 49038 | AFLAC | $261 | — | $261 | 0.30% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $259 | — | $259 | 0.30% |
| ZOELLNER ENTERPRISES LLC3 | 865 LYNN ST BALDWIN, MI 49304 | AFLAC | $251 | — | $251 | 0.29% |
| DAVID ANDREW PEPIN3 | 4176 STATE HIGHWAY M35 ESCANABA, MI 49829 | AFLAC | $211 | — | $211 | 0.24% |
| MYRNA L MURRAY3 | 2114 BOXTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $210 | — | $210 | 0.24% |
| CHRISTOPHER J CHARLAND3 | 1004 LOCUST ST TRAVERSE CITY, MI 49864 | AFLAC | $139 | $65 | $204 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $202 | — | $202 | 0.23% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $165 | — | $165 | 0.19% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $155 | — | $155 | 0.18% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $132 | — | $132 | 0.15% |
| BRYAN P BURLEY3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $131 | — | $131 | 0.15% |
| CHRISTINE JULIE STUTZNER3 | 1781 LAXTON RD MASON, MI 48854 | AFLAC | $89 | — | $89 | 0.10% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $77 | — | $77 | 0.09% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $68 | — | $68 | 0.08% |
| ANDREW KLEIN GLAUB3 | 535 SANCTUARY DR APT A202 LONGBOAT KEY, FL 34228 | AFLAC | $64 | — | $64 | 0.07% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $60 | — | $60 | 0.07% |
| VERA FJ MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $58 | — | $58 | 0.07% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $57 | — | $57 | 0.07% |
| LINDA J HARGER3 | 3526 BERMUDA SAULT STE MARIE, MI 49783 | AFLAC | $57 | — | $57 | 0.07% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $56 | — | $56 | 0.06% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $54 | — | $54 | 0.06% |
| RICHARD P SOMMERS3 | 861 AUGUSTA DR ROCHESTER, MI 48309 | AFLAC | $48 | — | $48 | 0.06% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 2644 MCMICHAEL RD ALANSON, MI 49706 | AFLAC | $46 | — | $46 | 0.05% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $44 | — | $44 | 0.05% |
| TREVOR NUMMELA3 | E7891 HOLLY DR CHRISTMAS, MI 49862 | AFLAC | $43 | — | $43 | 0.05% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $41 | — | $41 | 0.05% |
| JENNIFER LEE WOLFE3 | 303 SKYBOLT ST GWINN, MI 49841 | AFLAC | $37 | — | $37 | 0.04% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $36 | — | $36 | 0.04% |
| LYNNE M HARVEY3 | 973 TOWNSEND DR OXFORD, MI 48371 | AFLAC | $34 | — | $34 | 0.04% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $24 | — | $24 | 0.03% |
| VICKI L BELLEFEUIL3 | PO BOX 167 POWERS, MI 49874 | AFLAC | $20 | — | $20 | 0.02% |
| GREGORY CRAWFORD3 | PO BOX 1471 MIDLAND, MI 48641 | AFLAC | $18 | — | $18 | 0.02% |
| SCCU SERVICES LLC3 | 536 BINGHAM SAULT STE MARIE, MI 49783 | AFLAC | $12 | — | $12 | 0.01% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $9 | — | $9 | 0.01% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $8 | — | $8 | 0.01% |
| MILTON A SUTTON3 | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $7 | — | $7 | 0.01% |
| DANIEL M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $6 | — | $6 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: SCOTT E ROGERS | 2218 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $6 | — | $6 | 0.01% |
| TIMOTHY H MEAD3 | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $6 | — | $6 | 0.01% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $5 | — | $5 | 0.01% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $5 | — | $5 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 561 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $5 | — | $5 | 0.01% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $5 | — | $5 | 0.01% |
| STEPHANIE L KESSELRING3 | 5433 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $3 | — | $3 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $1 | — | $1 | 0.00% |
| BRUCE T HARGER3 | 407 CHRISTOPHERS CT WALESKA, GA 30183 | AFLAC | $1 | — | $1 | 0.00% |
| AMY W SYLVAIN3 | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC BOUDREAU3 | PO BOX 59 PARADISE, MI 49768 | AFLAC | $2K | — | $2K | 2.65% |
| JENNIE LYNN YURESKO3 | 6106 W 10 1/2 RD MESICK, MI 49668 | AFLAC | $2K | — | $2K | 2.18% |
| DONITA J FLATT3 | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $1K | — | $1K | 1.90% |
| MARGARET HANCOCK3 | 2 WHITE PINE WAY KINCHELOE, MI 49788 | AFLAC | $782 | $105 | $887 | 1.27% |
| JULIE C HOBER3 | 2326 W 4TH AVE SAULT STE MARIE, MI 49783 | AFLAC | $677 | $14 | $691 | 0.99% |
| ANNA C FULLER3 | PO BOX 404 HONOR, MI 49640 | AFLAC | $556 | — | $556 | 0.79% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 372 W PARK ST MARQUETTE, MI 49855 | AFLAC | $388 | — | $388 | 0.55% |
| GREGORY YURESKO3 | 6106 W 10 1/2 RD MESICK, MI 49668 | AFLAC | $297 | — | $297 | 0.42% |
| DAVID ANDREW PEPIN3 | 4176 STATE HIGHWAY M35 ESCANABA, MI 49829 | AFLAC | $260 | — | $260 | 0.37% |
| MARTINA AREND3 | 1756 HAMMER RD KINGSLEY, MI 49649 | AFLAC | $258 | — | $258 | 0.37% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $185 | — | $185 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $160 | — | $160 | 0.23% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $153 | — | $153 | 0.22% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $125 | — | $125 | 0.18% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $113 | — | $113 | 0.16% |
| ZOELLNER ENERPRISES INC3 | 865 LYNN ST BALDWIN, MI 49304 | AFLAC | $110 | — | $110 | 0.16% |
| CHRISTOPHER J CHARLAND3 | 1004 LOCUST ST TRAVERSE CITY, MI 49684 | AFLAC | $62 | $24 | $86 | 0.12% |
| DEREK RAY BLAIS3 | 1783 WOODSIDE RD NORTON SHORES, MI 49441 | AFLAC | $81 | — | $81 | 0.12% |
| RICHARD P SOMMERS3 | 861 AUGUSTA DR ROCHESTER, MI 48309 | AFLAC | $71 | — | $71 | 0.10% |
| JENNIFER LEE WOLFE3 | 303 SKYBOLT ST GWINN, MI 49841 | AFLAC | $65 | — | $65 | 0.09% |
| CHRISTINE J STUTZNER3 | 1781 LAXTON RD MASON, MI 48854 | AFLAC | $63 | — | $63 | 0.09% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $60 | — | $60 | 0.09% |
| TENA SUE ROJEM-BENDER3 | 18039 LEWIS SMITH DR FOLEY, AL 36535 | AFLAC | $53 | — | $53 | 0.08% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $52 | — | $52 | 0.07% |
| LINDA J HARGER | 3526 BERMUDA AVE SAULT STE MARIE, MI 49783 | AFLAC | $51 | — | $51 | 0.07% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $47 | — | $47 | 0.07% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 2644 MCMICHAEL RD ALANSON, MI 49706 | AFLAC | $44 | — | $44 | 0.06% |
| ANDREW KLEIN GLAUB3 | 535 SANCTUARY DR APT A202 LONGBOAT KEY, FL 34228 | AFLAC | $38 | — | $38 | 0.05% |
| LYNNE M HARVEY3 | 973 TOWNSEND DR OXFORD, MI 48371 | AFLAC | $35 | — | $35 | 0.05% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $30 | — | $30 | 0.04% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $30 | — | $30 | 0.04% |
| JAN M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $28 | — | $28 | 0.04% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $28 | — | $28 | 0.04% |
| EDWARD C MOYLE3 | 525 FISHER ST APT 3 MARQUETTE, MI 49855 | AFLAC | $24 | — | $24 | 0.03% |
| VINCENT J. ROSE3 Filed as: VINCENT J ROSE | PO BOX 747 MARQUETTE, MI 49855 | AFLAC | $23 | $0 | $23 | 0.03% |
| DANIEL M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $22 | $0 | $22 | 0.03% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $22 | $0 | $22 | 0.03% |
| VERA J MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $20 | $0 | $20 | 0.03% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $11 | $0 | $11 | 0.02% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $11 | $0 | $11 | 0.02% |
| JEFFREY W XAVER3 | PO BOX 809 LELAND, MI 49654 | AFLAC | $10 | $0 | $10 | 0.01% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $9 | $0 | $9 | 0.01% |
| BRUCE T HARGER3 | 407 CHRISTOPHERS CT WALESKA, GA 30183 | AFLAC | $8 | $0 | $8 | 0.01% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $8 | $0 | $8 | 0.01% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $7 | $0 | $7 | 0.01% |
| GREGORY CRAWFORD3 | PO BOX 1471 MIDLAND, MI 48641 | AFLAC | $7 | $0 | $7 | 0.01% |
| TAMIE E KAUFMAN3 | 41 CONSHOHOCKEN STATE RD APT 706 BALA CYNWYD, PA 19004 | AFLAC | $6 | $0 | $6 | 0.01% |
| AG AND ASSOCIATES3 | 535 SANCTUARY DR APT A202 LONGBOAT KEY, FL 34228 | AFLAC | $6 | $0 | $6 | 0.01% |
| STEPHANIE L KESSELRING3 | 5433 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $4 | $0 | $4 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $3 | $0 | $3 | 0.00% |
| TIMOTHY H MEAD3 | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $3 | $0 | $3 | 0.00% |
| AMY W SYLVAIN3 | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $3 | $0 | $3 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $2 | $0 | $2 | 0.00% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $2 | $0 | $2 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $0 | $0 | $0 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 854 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,594 | $266K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 905 | $690K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 905 | $690K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 905 | $690K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC - A&H GROUP | 851 | $345K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 905 | $846K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,594 | — |
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.