| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.0 Filed as: GALLAGHER BENEFIT SERVICES, IN | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98K | $0 | $98K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 1.25% |
| DONITA J FLATT3 Filed as: DONITA FLATT | PO BOX 175 ENGADINE, MI 49827 | AFLAC | $6K | $135 | $6K | 6.70% |
| MARTINA VOLLMAN3 | 10504 CENTER RD TRAVERSE CITY, MI 49686 | AFLAC | $1K | $0 | $1K | 1.06% |
| MARY E SCHATZ3 Filed as: MARY SCHATZ | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $832 | $27 | $859 | 0.90% |
| KELLY E ZOELLNER3 Filed as: KELLY ZOELLNER | 2782N COOPER RD GULLIVER, MI 49840 | AFLAC | $790 | $0 | $790 | 0.82% |
| MYRNA L MURRAY3 Filed as: MYRNA MURRAY | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $606 | $0 | $606 | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE ITASCA, IL 60143 | AFLAC | $555 | $0 | $555 | 0.58% |
| DOUGLAS FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $431 | $0 | $431 | 0.45% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $428 | $0 | $428 | 0.45% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $294 | $0 | $294 | 0.31% |
| BRYAN P BURLEY3 Filed as: BRYAN BURLEY | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $290 | $0 | $290 | 0.30% |
| JEAN PEIFFER3 | 158 JH LANE SKANDIA, MI 49885 | AFLAC | $211 | $0 | $211 | 0.22% |
| RICHARD P SOMMERS3 Filed as: RICHARD SOMMERS | 226 HICKORY ST MILFORD, MI 48381 | AFLAC | $176 | $27 | $203 | 0.21% |
| CAD AGENCY INC3 | 23756 ARENA DR RAPID CITY, SD 57702 | AFLAC | $189 | $0 | $189 | 0.20% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $186 | $0 | $186 | 0.19% |
| LINDA J HARGER3 Filed as: LINDA HARGER | 3526 BERMUDA AVE SAULT STE MARIE, MI 49783 | AFLAC | $160 | $0 | $160 | 0.17% |
| BENJAMIN HUNTER3 | 11193 GUY ST FISHERS, IN 46038 | AFLAC | $159 | $0 | $159 | 0.17% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY LOWRAN | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $139 | $0 | $139 | 0.15% |
| BEVERLY AMBLE3 | 9810 PLEASANT STREET #148 BRIMLEY, MI 49715 | AFLAC | $137 | $0 | $137 | 0.14% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $131 | $0 | $131 | 0.14% |
| THE HORTON GROUP3 Filed as: KRISTIN HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $130 | $0 | $130 | 0.14% |
| PATRICK A BELL3 Filed as: PATRICK BELL | 12469 HEBRON MAIL ROUTE RD CHEBOYGAN, MI 49721 | AFLAC | $119 | $0 | $119 | 0.12% |
| VERA J MANVILLE-MIEDEMA3 Filed as: VERA MANVILLE-MIEDEMA | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $116 | $0 | $116 | 0.12% |
| SARA MENZEL3 | 524 OHIO ST MARQUETTE, MI 49855 | AFLAC | $103 | $0 | $103 | 0.11% |
| LYNNE M HARVEY3 Filed as: LYNNE HARVEY | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $100 | $0 | $100 | 0.10% |
| RICHARD JOHN DERF3 Filed as: RICHARD DERF | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $54 | $0 | $54 | 0.06% |
| BRUCE T HARGER3 Filed as: BRUCE HARGER | 3526 BERMUDA AVE SAULT STE MARIE, MI 49783 | AFLAC | $53 | $0 | $53 | 0.06% |
| DEBRA J CAPELLO3 Filed as: DEBRA CAPELLO | 47431 STATE HIGHWAY M26 UNIT 5A HOUGHTON, MI 49931 | AFLAC | $41 | $0 | $41 | 0.04% |
| DAVID PEPIN3 | 10000 NORTH 31ST AVENUE PHOENIX, AZ 85051 | AFLAC | $31 | $0 | $31 | 0.03% |
| SCCU SERVICES LLC3 Filed as: SCCU SERVICES | 536 BINGHAM AVE SAULT STE MARIE, MI 49783 | AFLAC | $30 | $0 | $30 | 0.03% |
| ROY T MINKIN3 Filed as: ROY MINKIN | PO BOX 305 IRONWOOD, MI 49938 | AFLAC | $21 | $0 | $21 | 0.02% |
| JASON L GLICK3 Filed as: JASON GLICK | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $17 | $0 | $17 | 0.02% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK ROAD STE 230 NOVI, MI 48377 | AFLAC | $17 | $0 | $17 | 0.02% |
| MARIAN L POISSON JENKINS TRUST3 | 1538 W RIDGE ST APT 3 MARQUETTE, MI 49855 | AFLAC | $15 | $0 | $15 | 0.02% |
| VICKI L BELLEFEUIL3 Filed as: VICKI BELLEFEUIL | BOX 167 POWERS, MI 49874 | AFLAC | $13 | $0 | $13 | 0.01% |
| JOAN M MCCORMICK3 Filed as: JOAN MCCORMICK | 10430 E GRANDVIEW RD TRAVERSE CITY, MI 49684 | AFLAC | $13 | $0 | $13 | 0.01% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $12 | $0 | $12 | 0.01% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $11 | $0 | $11 | 0.01% |
| MILTON A SUTTON3 Filed as: MILTON SUTTON | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $8 | $0 | $8 | 0.01% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2220 RIVER ROAD SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $7 | $0 | $7 | 0.01% |
| STEPHEN H MADIGAN3 Filed as: STEPHEN MADIGAN | 105 W WATER ST SAULT STE MARIE, MI 49783 | AFLAC | $5 | $0 | $5 | 0.01% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $2 | $3 | $5 | 0.01% |
| ALAN BERGMANN3 | 707 PRUDDEN ST UNIT 101 LANSING, MI 48906 | AFLAC | $4 | $0 | $4 | 0.00% |
| TRACY E BIELACZYC3 Filed as: TRACY BIELACZYC | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $3 | $0 | $3 | 0.00% |
| DEBRA POBUDA3 | 3136 GLENWOOD DR LEXINGTON, KY 40509 | AFLAC | $3 | $0 | $3 | 0.00% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $1 | $2 | $3 | 0.00% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | $2 | $3 | 0.00% |
| CHARLES V GLAUB3 Filed as: CHARLES GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $2 | $0 | $2 | 0.00% |
| DANIEL M WOLF3 Filed as: DANIEL WOLF | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $2 | $0 | $2 | 0.00% |
| TIMOTHY MEAD3 | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $2 | $0 | $2 | 0.00% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | $0 | $2 | 0.00% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DRIVE STE 600 OKEMOS, MI 48864 | AFLAC | $2 | $0 | $2 | 0.00% |
| DONITA J FLATT3 Filed as: DONITA FLATT | PO BOX 175 ENGADINE, MI 49827 | AFLAC | $6K | $198 | $6K | 6.20% |
| MARTINA VOLLMAN3 | 10504 CENTER RD TRAVERSE CITY, MI 49686 | AFLAC | $1K | $7 | $1K | 1.57% |
| MARY E SCHATZ3 Filed as: MARY SCHATZ | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $820 | $44 | $864 | 0.92% |
| KELLY E ZOELLNER3 Filed as: KELLY ZOELLNER | 2782N COOPER RD GULLIVER, MI 49840 | AFLAC | $742 | $0 | $742 | 0.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE ITASCA, IL 60143 | AFLAC | $740 | $0 | $740 | 0.79% |
| MYRNA L MURRAY3 Filed as: MYRNA MURRAY | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $577 | $0 | $577 | 0.61% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $547 | $0 | $547 | 0.58% |
| DOUGLAS FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $479 | $0 | $479 | 0.51% |
| RICHARD P SOMMERS3 Filed as: RICHARD SOMMERS | 226 HICKORY ST MILFORD, MI 48381 | AFLAC | $219 | $24 | $243 | 0.26% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $205 | $4 | $209 | 0.22% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $149 | $0 | $149 | 0.16% |
| THE HORTON GROUP3 Filed as: KRISTIN HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $145 | $0 | $145 | 0.15% |
| C A D AGENCY INC3 | 23756 ARENA DR RAPID CITY, SD 57702 | AFLAC | $141 | $0 | $141 | 0.15% |
| BENJAMIN HUNTER3 | 11193 GUY ST FISHERS, IN 46038 | AFLAC | $133 | $0 | $133 | 0.14% |
| LINDA J HARGER3 Filed as: LINDA HARGER | 3526 BERMUDA AVE SAULT STE MARIE, MI 49783 | AFLAC | $109 | $0 | $109 | 0.12% |
| DEREK RAY BLAIS3 Filed as: DEREK BLAIS | 4959 N FOSTER ST FOUNTAIN, MI 49410 | AFLAC | $99 | $0 | $99 | 0.11% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY LOWRAN | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $98 | $0 | $98 | 0.10% |
| RICHARD JOHN DERF3 Filed as: RICHARD DERF | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $97 | $0 | $97 | 0.10% |
| BEVERLY AMBLE3 | 9810 PLEASANT STREET #148 BRIMLEY, MI 49715 | AFLAC | $88 | $0 | $88 | 0.09% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $82 | $0 | $82 | 0.09% |
| LYNNE M HARVEY3 Filed as: LYNNE HARVEY | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $80 | $0 | $80 | 0.09% |
| PATRICK A BELL3 Filed as: PATRICK BELL | 12469 HEBRON MAIL ROUTE RD CHEBOYGAN, MI 49721 | AFLAC | $74 | $0 | $74 | 0.08% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $71 | $0 | $71 | 0.08% |
| TENA ROJEM-BENDER3 | 616 FISHER ST MARQUETTE, MI 49855 | AFLAC | $69 | $0 | $69 | 0.07% |
| RONALD D SOBER III3 Filed as: RONALD SOBER III | 1229 SCOTTS COURT CHARLEVOIX, MI 49720 | AFLAC | $57 | $0 | $57 | 0.06% |
| MILTON A SUTTON3 Filed as: MILTON SUTTON | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $43 | $0 | $43 | 0.05% |
| JAN M WOLF3 Filed as: JAN WOLF | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $37 | $0 | $37 | 0.04% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK ROAD STE 230 NOVI, MI 48377 | AFLAC | $29 | $0 | $29 | 0.03% |
| VERA J MANVILLE-MIEDEMA3 Filed as: VERA MANVILLE-MIEDEMA | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $28 | $0 | $28 | 0.03% |
| SCCU SERVICES LLC3 | 536 BINGHAM AVE SAULT STE MARIE, MI 49783 | AFLAC | $28 | $0 | $28 | 0.03% |
| DANIEL M WOLF3 Filed as: DANIEL WOLF | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $26 | $0 | $26 | 0.03% |
| DAVID PEPIN3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | AFLAC | $19 | $0 | $19 | 0.02% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $16 | $0 | $16 | 0.02% |
| EDWARD C MOYLE3 Filed as: EDWARD MOYLE | 428 OAK STREET MARQUETTE, MI 49855 | AFLAC | $12 | $0 | $12 | 0.01% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS AGENCY INC | PO BOX 747 MARQUETTE, MI 49855 | AFLAC | $12 | $0 | $12 | 0.01% |
| MARIAN L POISSON JENKINS TRUST3 | 1538 W RIDGE ST APT 3 MARQUETTE, MI 49855 | AFLAC | $12 | $0 | $12 | 0.01% |
| BRUCE T HARGER3 Filed as: BRUCE HARGER | 3526 BERMUDA AVE SAULT S MARIE, MI 49783 | AFLAC | $10 | $0 | $10 | 0.01% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $8 | $0 | $8 | 0.01% |
| TAMIE E KAUFMAN3 Filed as: TAMIE KAUFMAN | 2227 QUARRY RD EAST LANSING, MI 48823 | AFLAC | $8 | $0 | $8 | 0.01% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $3 | $3 | $6 | 0.01% |
| DEBRA POBUDA3 | 3136 GLENWOOD DR LEXINGTON, KY 40509 | AFLAC | $4 | $0 | $4 | 0.00% |
| JEREMY T WRIGHT3 Filed as: JEREMY WRIGHT | 349A W MAIN ST PARK HILLS, MO 63601 | AFLAC | $4 | $0 | $4 | 0.00% |
| TRACY E BIELACZYC3 Filed as: TRACY BIELACZYC | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $4 | $0 | $4 | 0.00% |
| JUDITH BRUMMELER3 | 14357 SPIREA DR ELK RAPIDS, MI 49629 | AFLAC | $4 | $0 | $4 | 0.00% |
| ALAN BERGMANN3 | 707 PRUDDEN ST UNIT 101 LANSING, MI 48906 | AFLAC | $3 | $0 | $3 | 0.00% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | $1 | $3 | 0.00% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $2 | $1 | $3 | 0.00% |
| JASON L GLICK3 Filed as: JASON GLICK | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $2 | $0 | $2 | 0.00% |
| CHARLES V GLAUB3 Filed as: CHARLES GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $2 | $0 | $2 | 0.00% |
| TIMOTHY MEAD3 | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $1 | $0 | $1 | 0.00% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | $0 | $1 | 0.00% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DR STE 600 OKEMOS, MI 48864 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 Filed as: MICHIGAN ACCOUNT SERVICE TEAM | 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 | 874 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $651K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $651K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $651K |
| Other(2 contracts) | AFLAC | 156 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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.