| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | $15K | $102K | 17.50% |
| DONITA J FLATT3 Filed as: DONITA J. FLATT | PO BOX 175 ENGADINE, MI 49827 | AFLAC | $5K | $109 | $6K | 6.97% |
| KELLY E ZOELLNER3 Filed as: KELLY E. ZOELLNER | 2782N COOPER RD GULLIVER, MI 49840 | AFLAC | $769 | $22 | $791 | 1.00% |
| MARY E SCHATZ3 Filed as: MARY E. SCHATZ | 1102 TONTI ROAD MARQUETTE, MI 49855 | AFLAC | $648 | $22 | $670 | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AFLAC | $570 | $0 | $570 | 0.72% |
| MYRNA L MURRAY3 Filed as: MYRNA MURRAY | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $531 | $0 | $531 | 0.67% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $480 | $0 | $480 | 0.61% |
| RICHARD P SOMMERS3 Filed as: RICHARD P. SOMMERS | 3181 SHATTUCK RD SAGINAW, MI 48603 | AFLAC | $400 | $0 | $400 | 0.51% |
| DOUGLAS E FOX3 Filed as: DOUGLAS E. FOX | 735 S. GARFILED AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $340 | $0 | $340 | 0.43% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 735 S. GARFILED AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $167 | $22 | $189 | 0.24% |
| C A D AGENCY INC3 | 514 AMERICAS WAY #4757 BOX ELDER, SD 57719 | AFLAC | $145 | $0 | $145 | 0.18% |
| THE HORTON GROUP3 Filed as: KRISTIN E. HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $135 | $0 | $135 | 0.17% |
| SCCU SERVICES LLC3 | 536 BINGHAM AVE SAULT STE. MARIE, MI 49783 | AFLAC | $129 | $0 | $129 | 0.16% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $128 | $0 | $128 | 0.16% |
| SARA MENZEL3 | 524 OHIO ST MARQUETTE, MI 49855 | AFLAC | $128 | $0 | $128 | 0.16% |
| BENJAMIN HUNTER3 | 735 S. GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $115 | $0 | $115 | 0.15% |
| MIELKE INSURANCE INC3 Filed as: MIELKE INSURNACE INC | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $103 | $0 | $103 | 0.13% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY J. LOWRAN | 9553 E. WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $88 | $0 | $88 | 0.11% |
| LINDA J HARGER3 Filed as: LINDA HARGER | 3526 BERMUDA AVE SAULT STE. MARIE, MI 49783 | AFLAC | $88 | $0 | $88 | 0.11% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $83 | $0 | $83 | 0.10% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $82 | $0 | $82 | 0.10% |
| LYNNE M HARVEY3 Filed as: LYNNE M. HARVEY | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $79 | $0 | $79 | 0.10% |
| DEREK RAY BLAIS3 | 4959 N. FOSTER ST FOUNTAIN, MI 49410 | AFLAC | $76 | $0 | $76 | 0.10% |
| RICHARD L AMBLE3 Filed as: RICHARD AMBLE | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $73 | $0 | $73 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE ITASCA, IL 60143 | AFLAC | $69 | $0 | $69 | 0.09% |
| PATRICK A BELL3 Filed as: PATRICK A. BELL | 12469 HEBRON MAIL ROUTE RD CHEBOYGAN, MI 49721 | AFLAC | $67 | $0 | $67 | 0.08% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $64 | $0 | $64 | 0.08% |
| TENA ROJEM-BENDER3 | 616 FISHER ST MARQUETTE, MI 49855 | AFLAC | $53 | $0 | $53 | 0.07% |
| RONALD D SOBER III3 Filed as: RONALD D. SOBER III | 1229 SCOTTS COURT CHARLEVOIX, MI 49720 | AFLAC | $45 | $0 | $45 | 0.06% |
| VERA J MANVILLE-MIEDEMA3 Filed as: VERA J. MANVILLE-MIEDEMA | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $37 | $0 | $37 | 0.05% |
| MILTON A SUTTON3 Filed as: MILTON A. SUTTON | 6965 S. GREEN STREET BRIMLEY, MI 49715 | AFLAC | $33 | $0 | $33 | 0.04% |
| JAN M WOLF3 Filed as: JAN M. WOLF | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $28 | $0 | $28 | 0.04% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $25 | $0 | $25 | 0.03% |
| DANIEL M WOLF3 Filed as: DANIEL M. WOLF | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $19 | $0 | $19 | 0.02% |
| DAVID ANDREW PEPIN3 | 14301 N. 87TH STREET STE 313 SCOTTSDALE, AZ 85260 | AFLAC | $18 | $0 | $18 | 0.02% |
| LARRY L BANKEY3 Filed as: LARRY L. BANKY | 3136 GLENWOOD DR LEXINGTON, KY 40509 | AFLAC | $12 | $0 | $12 | 0.02% |
| MARIAN POISSON3 | 813 PRINCE ST NEGAUNEE, MI 49866 | AFLAC | $10 | $0 | $10 | 0.01% |
| EDWARD C MOYLE3 | 132 FISHER STREET MARQUETTE, MI 49855 | AFLAC | $10 | $0 | $10 | 0.01% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS AGENCY INC | PO BOX 747 MARQUETTE, MI 49855 | AFLAC | $9 | $0 | $9 | 0.01% |
| BRUCE T HARGER3 Filed as: BRUCE T. HARGER | 3526 BERMUDA AVE SAULT STE MARIE, MI 49783 | AFLAC | $8 | $0 | $8 | 0.01% |
| JASON L GLICK3 Filed as: JASON L. GLICK | 7628 GRADIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $6 | $0 | $6 | 0.01% |
| TAMIE E KAUFMAN3 Filed as: TAMIE E. KAUFMAN | 2227 QUARRY RD EAST LANSING, MI 48823 | AFLAC | $6 | $0 | $6 | 0.01% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 645 LOMASNEY LN STE 100 MARYSVILLE, MI 48040 | AFLAC | $5 | $0 | $5 | 0.01% |
| JEREMY T WRIGHT3 Filed as: JEREMY T. WRIGHT | 504 KEITH ST. PARK HILLS, MT 63601 | AFLAC | $3 | $0 | $3 | 0.00% |
| ROBERT W BRUMMELER3 Filed as: ROBERT W. BRUMMELER | PO BOX 457 PETOSKEY, MI 49770 | AFLAC | $3 | $0 | $3 | 0.00% |
| DUANE E CORDES3 Filed as: DUANE E. CORDES | PO BOX 455 HILLMAN, MI 49745 | AFLAC | $2 | $0 | $2 | 0.00% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2220 RIVER ROAD SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 5458 PARKSIDE DR. BRIGHTON, MI 48114 | AFLAC | $1 | $0 | $1 | 0.00% |
| DONITA J FLATT3 Filed as: DONITA J. FLATT | PO BOX 175 ENGADINE, MI 49827 | AFLAC | $5K | $151 | $5K | 6.78% |
| KELLY E ZOELLNER3 Filed as: KELLY E. ZOELLNER | 2782N COOPER RD GULLIVER, MI 49840 | AFLAC | $750 | $30 | $780 | 1.08% |
| MARY E SCHATZ3 Filed as: MARY E. SCHATZ | 1102 TONTI ROAD MARQUETTE, MI 49855 | AFLAC | $516 | $30 | $546 | 0.75% |
| MYRNA L MURRAY3 Filed as: MYRNA MURRAY | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $495 | $0 | $495 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AFLAC | $363 | $0 | $363 | 0.50% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $332 | $0 | $332 | 0.46% |
| RICHARD P SOMMERS3 Filed as: RICHARD P. SOMMERS | 3181 SHATTUCK RD SAGINAW, MI 48603 | AFLAC | $262 | $0 | $262 | 0.36% |
| BRYAN P BURLEY3 Filed as: BRYAN P. BURLEY | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $255 | $0 | $255 | 0.35% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $245 | $0 | $245 | 0.34% |
| DOUGLAS E FOX3 Filed as: DOUGLAS E. FOX | 735 S. GARFILED AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $211 | $0 | $211 | 0.29% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 735 S. GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $158 | $25 | $183 | 0.25% |
| C A D AGENCY INC3 | 514 AMERICAS WAY #4757 BOX ELDER, SD 57719 | AFLAC | $167 | $0 | $167 | 0.23% |
| ANDREW K GLAUB3 Filed as: ANDREW K. GLAUB | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $156 | $0 | $156 | 0.22% |
| BENJAMIN HUNTER3 | 735 S. GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $136 | $0 | $136 | 0.19% |
| LINDA J HARGER3 Filed as: LINDA HARGER | 3526 BERMUDA AVE SAULT STE MARIE, MI 49783 | AFLAC | $131 | $0 | $131 | 0.18% |
| RICHARD L AMBLE3 Filed as: RICHARD AMBLE | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $108 | $0 | $108 | 0.15% |
| THE HORTON GROUP3 Filed as: KRISTIN E. HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $107 | $0 | $107 | 0.15% |
| VERA J MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $102 | $0 | $102 | 0.14% |
| INSURNACE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $100 | $0 | $100 | 0.14% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY J. LOWRAN | 9553 E. WALKABOUT LN. TRAVERSE CITY, MI 49684 | AFLAC | $99 | $0 | $99 | 0.14% |
| PATRICK A BELL3 Filed as: PATRICK A. BELL | 12469 HEBRON MAIL ROUTE RD CHEBOYGAN, MI 49721 | AFLAC | $91 | $0 | $91 | 0.13% |
| SARA MENZEL3 | 524 OHIO ST MARQUETTE, MI 49855 | AFLAC | $84 | $0 | $84 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE ITASCA, IL 60143 | AFLAC | $84 | $0 | $84 | 0.12% |
| LYNNE M HARVEY3 Filed as: LYNNE M. HARVEY | 307 S. MAPLE AVE GAYLORD, MI 49735 | AFLAC | $77 | $0 | $77 | 0.11% |
| JEAN PEIFFER3 Filed as: JEAN L. PEIFFER | 158 JH LANE SKANDIA, MI 49885 | AFLAC | $74 | $0 | $74 | 0.10% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $42 | $0 | $42 | 0.06% |
| BRUCE T HARGER3 Filed as: BRUCE T. HARGER | 3526 BERMUDA AVE SAULT STE MARIE, MI 49783 | AFLAC | $41 | $0 | $41 | 0.06% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $37 | $0 | $37 | 0.05% |
| VICKI L BELLEFEUIL3 Filed as: VICKI BELLEFEUIL | PO BOX 167 POWERS, MI 49874 | AFLAC | $30 | $0 | $30 | 0.04% |
| DAVID ANDREW PEPIN3 | 14301 N. 87TH ST STE 313 SCOTTSDALE, AZ 85260 | AFLAC | $27 | $0 | $27 | 0.04% |
| SCCU SERVICES LLC3 Filed as: SCCU SERVICES | 536 BINGHAM AVE SAULT STE MARIE, MI 49783 | AFLAC | $23 | $0 | $23 | 0.03% |
| MAIAN POISSON3 | 813 PRINCE ST NEGAUNEE, MI 49866 | AFLAC | $19 | $0 | $19 | 0.03% |
| JASON L GLICK3 Filed as: JASON L. GLICK | 7628 GRADIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $17 | $0 | $17 | 0.02% |
| ROY T MINKIN3 Filed as: ROY T. MINKIN | PO BOX 375 IRONWOOD, MI 49938 | AFLAC | $16 | $0 | $16 | 0.02% |
| VARIABLE CONCEPTS INC3 | 161 OTTAWA AVE STE 204 GRAND RAPIDS, MI 49503 | AFLAC | $13 | $0 | $13 | 0.02% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK ROAD STE 230 NOVI, MI 48377 | AFLAC | $13 | $0 | $13 | 0.02% |
| JOAN M MCCORMICK3 Filed as: JOAN MCCORMICK | 10430 EAST GRANDVIEW ROAD TRAVERSE CITY, MI 49684 | AFLAC | $11 | $0 | $11 | 0.02% |
| MILTON A SUTTON3 Filed as: MILTON SUTTON | 6965 S. GREEN STREET BRIMLEY, MI 49715 | AFLAC | $6 | $0 | $6 | 0.01% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 645 LOMASNEY LN STE 100 MARYSVILLE, MI 48040 | AFLAC | $4 | $0 | $4 | 0.01% |
| STEPHEN H MADIGAN3 Filed as: STEPHEN H. MADIGAN | 105 W. WATER STREET SAULT STE. MARIE, MI 49783 | AFLAC | $4 | $0 | $4 | 0.01% |
| LARRY L BANKEY3 Filed as: LARRY L. BANKEY | 3136 GLENWOOD DR LEXINGTON, KY 40509 | AFLAC | $3 | $0 | $3 | 0.00% |
| BILLY D. SCHICK3 | PO BOX 1738 BOERNE, TX 78006 | AFLAC | $2 | $0 | $2 | 0.00% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 5458 PARKSIDE DR BRIGHTON, MI 48114 | AFLAC | $2 | $0 | $2 | 0.00% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2220 RIVER ROAD SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $1 | $0 | $1 | 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 | 889 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,114 | $583K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,114 | $583K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,114 | $583K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,114 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,114 | — |
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.