| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $105K | $10K | $115K | 16.47% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | P.O. BOX 28 DUBUQUE, IA 52004 | TOKIO MARINE HCC A&H GROUP | $14K | — | $14K | 3.66% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | 800 MAIN STREET DUBUQUE, IA 52004 | TOKIO MARINE HCC A&H GROUP | $1K | — | $1K | 0.33% |
| MARGARET HANCOCK3 | 2 WHITE PINE WAY KINCHELOE, MI 49788 | AFLAC | $5K | $218 | $5K | 5.09% |
| DONITA J FLATT3 | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $2K | — | $2K | 2.42% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 372 W PARK ST MARQUETTE, MI 49855 | AFLAC | $758 | — | $758 | 0.78% |
| CHRISTOPHER J CHARLAND3 | 1004 LOCUST ST TRAVERSE CITY, MI 49684 | AFLAC | $473 | — | $473 | 0.49% |
| DAVID ANDREW PEPIN3 | 4176 STATE HIGHWAY M35 ESCANABA, MI 49829 | AFLAC | $366 | $49 | $415 | 0.43% |
| JENNIE YURESKO3 Filed as: JENNIE LYNN YURESKO | 6106 W 10 1/2 RD MESICK, MI 49668 | AFLAC | $361 | — | $361 | 0.37% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $322 | — | $322 | 0.33% |
| ZOELLNER ENTERPRISES LLC3 | 865 LYNN ST BALDWIN, MI 49304 | AFLAC | $307 | — | $307 | 0.32% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $289 | — | $289 | 0.30% |
| JEAN PEIFFER3 Filed as: JEAN L PEIFFER | 4716 PAW PAW LAKE RD COLOMA, MI 49038 | AFLAC | $282 | — | $282 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $271 | — | $271 | 0.28% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $221 | — | $221 | 0.23% |
| MARTINA AREND3 | 1756 HAMMER RD KINGSLEY, MI 49649 | AFLAC | $188 | — | $188 | 0.19% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $160 | — | $160 | 0.17% |
| BRYAN P BURLEY3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $157 | — | $157 | 0.16% |
| JULIE C HOBER3 | 2326 W 4TH AVE SAULT S MARIE, MI 49783 | AFLAC | $130 | $18 | $148 | 0.15% |
| JENNIFER LEE WOLFE3 | 303 SKYBOLT ST GWINN, MI 49841 | AFLAC | $125 | — | $125 | 0.13% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $124 | — | $124 | 0.13% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $116 | — | $116 | 0.12% |
| CHRISTINE JULIE STUTZNER3 | 192 RACKLEY RD HOHENWALD, TN 38462 | AFLAC | $106 | — | $106 | 0.11% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $91 | — | $91 | 0.09% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $86 | — | $86 | 0.09% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $84 | — | $84 | 0.09% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $83 | — | $83 | 0.09% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $79 | — | $79 | 0.08% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $76 | — | $76 | 0.08% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $72 | — | $72 | 0.07% |
| VERA J MANVILLE-MIEDEMA3 Filed as: VERA J MANVILLE - MIEDEMA | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $68 | — | $68 | 0.07% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $67 | — | $67 | 0.07% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $66 | — | $66 | 0.07% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $65 | — | $65 | 0.07% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 2644 MCMICHAEL RD ALANSON, MI 49706 | AFLAC | $63 | — | $63 | 0.07% |
| RICHARD P SOMMERS3 | 861 AUGUSTA DR ROCHESTER, MI 48309 | AFLAC | $62 | — | $62 | 0.06% |
| TREVOR NUMMELA3 | E7891 HOLLY DR CHRISTMAS, MI 49862 | AFLAC | $51 | — | $51 | 0.05% |
| ANNA FULLER3 Filed as: ANNA C FULLER | PO BOX 404 HONOR, MI 49640 | AFLAC | $50 | — | $50 | 0.05% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $49 | — | $49 | 0.05% |
| ERIC BOUDREAU3 | PO BOX 59 PARADISE, MI 49768 | AFLAC | $44 | — | $44 | 0.05% |
| LYNNE M HARVEY3 | 973 TOWNSEND DR OXFORD, MI 48371 | AFLAC | $43 | — | $43 | 0.04% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVE, MI 49417 | AFLAC | $33 | — | $33 | 0.03% |
| GREGORY CRAWFORD3 | PO BOX 1471 MIDLAND, MI 48641 | AFLAC | $22 | — | $22 | 0.02% |
| VICKI L BELLEFEUIL3 | PO BOX 167 POWERS, MI 49874 | AFLAC | $20 | — | $20 | 0.02% |
| SCCU SERVICES LLC3 | 536 BINGHAM AVE SAULT S MARIE, MI 49783 | AFLAC | $14 | — | $14 | 0.01% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $10 | — | $10 | 0.01% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $10 | — | $10 | 0.01% |
| AMY W SYLVAIN3 | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $9 | — | $9 | 0.01% |
| MILTON A SUTTON3 | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $8 | — | $8 | 0.01% |
| DANIEL M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $7 | — | $7 | 0.01% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $7 | — | $7 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $7 | — | $7 | 0.01% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $7 | — | $7 | 0.01% |
| KATHLEEN L HART3 | 500 STRATOCRUISER ST GWINN, MI 49841 | AFLAC | $7 | — | $7 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: SCOTT E ROGERS | 2218 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $7 | — | $7 | 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% |
| BRUCE T HARGER3 | 407 CHRISTOPHERS CT WALESKA, GA 30183 | AFLAC | $4 | — | $4 | 0.00% |
| STEPHANIE L KESSELRING3 | 3059 MOUNTAIN LAUREL TRL CANTONMENT, FL 32533 | AFLAC | $4 | — | $4 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $2 | — | $2 | 0.00% |
| MARGARET HANCOCK3 | 2 WHITE PINE WAY KINCHELOE, MI 49788 | AFLAC | $3K | $182 | $3K | 4.41% |
| DONITA J FLATT3 | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $2K | — | $2K | 2.17% |
| JULIE C HOBER3 | 2326 W 4TH AVE SAULT S MARIE, MI 49783 | AFLAC | $741 | $108 | $849 | 1.09% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 372 W PARK ST MARQUETTE, MI 49855 | AFLAC | $562 | — | $562 | 0.72% |
| DAVID ANDREW PEPIN3 | 4176 STATE HIGHWAY M35 ESCANABA, MI 49829 | AFLAC | $408 | $45 | $453 | 0.58% |
| CHRISTOPHER J CHARLAND3 | 1004 LOCUST ST TRAVERSE CITY, MI 49684 | AFLAC | $276 | — | $276 | 0.35% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $235 | — | $235 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $226 | — | $226 | 0.29% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $211 | — | $211 | 0.27% |
| ZOELLNER ENTERPRISES LLC3 | 865 LYNN ST BALDWIN, MI 49304 | AFLAC | $164 | — | $164 | 0.21% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $160 | — | $160 | 0.21% |
| JENNIFER LEE WOLFE3 | 303 SKYBOLT ST GWINN, MI 49841 | AFLAC | $143 | — | $143 | 0.18% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $129 | — | $129 | 0.17% |
| MARTINA AREND3 | 1756 HAMMER RD KINGSLEY, MI 49649 | AFLAC | $101 | — | $101 | 0.13% |
| DEREK RAY BLAIS3 | 2469 N TUTTLE RD SCOTTVILLE, MI 49454 | AFLAC | $99 | — | $99 | 0.13% |
| RICHARD P SOMMERS3 | 861 AUGUSTA DR ROCHESTER, MI 48309 | AFLAC | $84 | — | $84 | 0.11% |
| CHRISTINE JULIE STUTZNER3 | 192 RACKLEY RD HOHENWALD, TN 38462 | AFLAC | $79 | — | $79 | 0.10% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $69 | — | $69 | 0.09% |
| TENA SUE ROJEM-BENDER3 | 18039 LEWIS SMITH DR FOLEY, AL 36535 | AFLAC | $69 | — | $69 | 0.09% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $69 | — | $69 | 0.09% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $61 | — | $61 | 0.08% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $59 | — | $59 | 0.08% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 2644 MCMICHAEL RD ALANSON, MI 49706 | AFLAC | $58 | — | $58 | 0.07% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $55 | — | $55 | 0.07% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $48 | — | $48 | 0.06% |
| LYNNE M HARVEY3 | 973 TOWNSEND DR OXFORD, MI 48371 | AFLAC | $41 | — | $41 | 0.05% |
| AMY W SYLVAIN3 | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $39 | — | $39 | 0.05% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $38 | — | $38 | 0.05% |
| JAN M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $37 | — | $37 | 0.05% |
| JEFFREY W XAVER3 | PO BOX 809 LELAND, MI 49654 | AFLAC | $32 | $5 | $37 | 0.05% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $33 | — | $33 | 0.04% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $33 | — | $33 | 0.04% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $31 | — | $31 | 0.04% |
| EDWARD C MOYLE3 | 525 FISHER ST APT 3 MARQUETTE, MI 49855 | AFLAC | $29 | — | $29 | 0.04% |
| DANIEL M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $27 | — | $27 | 0.03% |
| VERA J MANVILLE-MIEDEMA3 Filed as: VERA J MANVILLE - MIEDEMA | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $24 | — | $24 | 0.03% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $23 | — | $23 | 0.03% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $22 | — | $22 | 0.03% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS AGENCY INC | PO BOX 747 MARQUETTE, MI 49855 | AFLAC | $18 | — | $18 | 0.02% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $15 | — | $15 | 0.02% |
| BRUCE T HARGER3 | 407 CHRISTOPHERS CT WALESKA, GA 30183 | AFLAC | $10 | — | $10 | 0.01% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $10 | — | $10 | 0.01% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $10 | — | $10 | 0.01% |
| GREGORY CRAWFORD3 | PO BOX 1471 MIDLAND, MI 48641 | AFLAC | $9 | — | $9 | 0.01% |
| VINCENT J. ROSE3 Filed as: VINCENT J ROSE | PO BOX 747 MARQUETTE, MI 49855 | AFLAC | $8 | — | $8 | 0.01% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $8 | — | $8 | 0.01% |
| TAMIE E KAUFMAN3 | 41 CONSHOHOCKEN STATE RD APT 706 BALA CYNWYD, PA 19004 | AFLAC | $8 | — | $8 | 0.01% |
| STEPHANIE L KESSELRING3 | 3059 MOUNTAIN LAUREL TRL CANTONMENT, FL 32533 | AFLAC | $5 | — | $5 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32612 | AFLAC | $4 | — | $4 | 0.01% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $3 | — | $3 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT W BRUMMELER3 | P O BOX 457 PETOSKEY, MI 49770 | AFLAC | $1 | — | $1 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $0 | — | $0 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $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 | 810 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,510 | $249K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 972 | $699K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 972 | $699K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 972 | $699K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC A&H GROUP | 816 | $387K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 972 | $873K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,510 | — |
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.