| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST FLOOR ITASCA, IL 60143 | UNUM | $55K | — | $55K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM | $0 | $5K | $5K | 1.25% |
| DONITA J FLATT3 | PO BOX 175 ENGADINE, MI 49827 | AFLAC | $6K | $82 | $6K | 6.96% |
| MARTINA VOLLMAN3 | 10504 CENTER RD TRAVERSE CITY, MI 49686 | AFLAC | $873 | $16 | $889 | 0.97% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $870 | $16 | $886 | 0.96% |
| KELLY E ZOELLNER3 | 2782N COOPER RD GULLIVER, MI 49840 | AFLAC | $713 | — | $713 | 0.78% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $553 | — | $553 | 0.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGHTON HEIGHTS, IL 60006 | AFLAC | $510 | — | $510 | 0.55% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $410 | — | $410 | 0.45% |
| DOUGLAS E FOX3 | 725 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $282 | — | $282 | 0.31% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $280 | — | $280 | 0.30% |
| BRYAN P BURLEY3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $261 | — | $261 | 0.28% |
| JEAN PEIFFER3 Filed as: JEAN L PEIFFER | 158 JH LANE SKANDIA, MI 49885 | AFLAC | $214 | — | $214 | 0.23% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $172 | — | $172 | 0.19% |
| ANDREW K GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $167 | — | $167 | 0.18% |
| C A D AGENCY INC3 | 23756 ARENA DR RAPID CITY, SD 57702 | AFLAC | $161 | — | $161 | 0.18% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $144 | — | $144 | 0.16% |
| BENJAMIN HUNTER3 | 11193 GUY ST FISHERS, IN 46038 | AFLAC | $141 | — | $141 | 0.15% |
| LINDA J HARGER3 Filed as: LINDA HARGER | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $140 | — | $140 | 0.15% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $128 | — | $128 | 0.14% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $125 | — | $125 | 0.14% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $121 | — | $121 | 0.13% |
| VERA J MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $107 | — | $107 | 0.12% |
| KELLI KALIS3 | 2673 TAHOMA WAY SAULT SAINTE MARIE, MI 49783 | AFLAC | $104 | — | $104 | 0.11% |
| PATRICK A BELL3 | 12469 HEBRON MAIL ROUTE RD CHEBOYGAN, MI 49721 | AFLAC | $101 | — | $101 | 0.11% |
| SARA MENZEL3 | 524 OHIO ST MARQUETTE, MI 49855 | AFLAC | $94 | — | $94 | 0.10% |
| LYNNE M HARVEY3 | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $89 | — | $89 | 0.10% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $87 | — | $87 | 0.09% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $63 | — | $63 | 0.07% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $52 | — | $52 | 0.06% |
| BRUCE T HARGER3 | 3526 BERMUDA SAULT S MARIE, MI 49783 | AFLAC | $49 | — | $49 | 0.05% |
| DEBRA J CAPELLO3 | 47431 STATE HIGHWAY M26 UNIT 5A HOUGHTON, MI 49931 | AFLAC | $45 | — | $45 | 0.05% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $44 | — | $44 | 0.05% |
| SCCU SERVICES LLC3 | 536 BINGHAM AVE SAULT STE MARIE, MI 49783 | AFLAC | $28 | — | $28 | 0.03% |
| JASON L GLICK3 | 7628 GRADIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $18 | — | $18 | 0.02% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK ROAD STE 230 NOVI, MI 48377 | AFLAC | $17 | — | $17 | 0.02% |
| DAVID ANDREW PEPIN3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | AFLAC | $16 | — | $16 | 0.02% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $15 | — | $15 | 0.02% |
| MARCI M SCHNITKER3 | PO BOX 245 GUNTER, TX 86058 | AFLAC | $15 | — | $15 | 0.02% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $13 | — | $13 | 0.01% |
| VICKI L BELLEFEUIL3 | BOX 167 POWERS, MI 49874 | AFLAC | $12 | — | $12 | 0.01% |
| MARIANN POISSON3 | 813 PRINCE ST NEGAUNEE, MI 49866 | AFLAC | $12 | — | $12 | 0.01% |
| ROY T MINKIN3 | PO BOX 375 IRONWOOD, MI 49938 | AFLAC | $10 | — | $10 | 0.01% |
| MILTON A SUTTON3 | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $9 | — | $9 | 0.01% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $9 | — | $9 | 0.01% |
| RICHARD P SOMMERS3 | 1830 HANDLEY ST SAGINAW, MI 48602 | AFLAC | $9 | — | $9 | 0.01% |
| DANIEL M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $8 | — | $8 | 0.01% |
| JOAN M MCCORMICK3 | 12042 S ELK RUN TRAVERSE CITY, MI 49684 | AFLAC | $8 | — | $8 | 0.01% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $7 | — | $7 | 0.01% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 48421 | 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% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $7 | — | $7 | 0.01% |
| DAVID ANDREW PEPIN3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $7 | — | $7 | 0.01% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 Filed as: MICHIGAN ACCOUNT SERVICE TEAM | 2220 RIVER ROAD SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $6 | — | $6 | 0.01% |
| DAVID ANDREW PEPIN3 | PO BOX 14563 SCOTTSDALE, AZ 85267 | AFLAC | $5 | — | $5 | 0.01% |
| STEPHEN H MADIGAN3 | 105 W WATER ST SAULT S MARIE, MI 49783 | AFLAC | $4 | — | $4 | 0.00% |
| JOAN M MCCORMICK3 | 10430 GRANDVIEW RD TRAVERSE CITY, MI 49684 | AFLAC | $4 | — | $4 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.00% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $4 | — | $4 | 0.00% |
| JASON L WEEKS3 | 204 S MAIN ST STE 240 KELLER, TX 76248 | AFLAC | $2 | — | $2 | 0.00% |
| MARY L WILLIAMS3 | 1102 STEVENS ST STE 1 BRIDGEPORT, TX 76426 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $1 | — | $1 | 0.00% |
| LARRY L BANKEY3 | 3136 GLENWOOD DR LEXINGTON, KY 40509 | AFLAC | $1 | — | $1 | 0.00% |
| DONITA J FLATT3 | PO BOX 175 ENGADINE, MI 49827 | AFLAC | $5K | $38 | $5K | 6.95% |
| MARTINA VOLLMAN3 | 10504 CENTER RD TRAVERSE CITY, MI 49686 | AFLAC | $892 | $21 | $913 | 1.19% |
| MARY E SCHATZ3 Filed as: MARY E SCHZTZ | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $713 | $10 | $723 | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $617 | — | $617 | 0.80% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $490 | — | $490 | 0.64% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $460 | — | $460 | 0.60% |
| KELLY E ZOELLNER3 | 2782N COOPER RD GULLIVER, MI 49840 | AFLAC | $418 | — | $418 | 0.54% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $270 | — | $270 | 0.35% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $153 | — | $153 | 0.20% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $134 | — | $134 | 0.17% |
| KELLI KALIS3 | 2673 TAHOOMA WAY SAULT SAINTE MARIE, MI 49783 | AFLAC | $127 | — | $127 | 0.17% |
| ANDREW K GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $121 | — | $121 | 0.16% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $120 | — | $120 | 0.16% |
| C A D AGENCY INC3 | 23756 ARENA DR RAPID CITY, SD 57702 | AFLAC | $103 | — | $103 | 0.13% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $100 | — | $100 | 0.13% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $100 | — | $100 | 0.13% |
| DEREK RAY BLAIS3 | 4959 N FOSTER ST FOUNTAIN, MI 49410 | AFLAC | $92 | — | $92 | 0.12% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $91 | — | $91 | 0.12% |
| BENJAMIN HUNTER3 | 11193 GUY ST FISHERS, IN 46038 | AFLAC | $86 | — | $86 | 0.11% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $85 | — | $85 | 0.11% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $76 | — | $76 | 0.10% |
| LYNNE M HARVEY3 | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $66 | — | $66 | 0.09% |
| TENA ROJEM-BENDER3 | 616 FISHER ST MARQUETTE, MI 49855 | AFLAC | $64 | — | $64 | 0.08% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $60 | — | $60 | 0.08% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $55 | — | $55 | 0.07% |
| PATRICK A BELL3 | 12469 HEBRON MAIL ROUTE RD CHEBOYGAN, MI 49721 | AFLAC | $50 | — | $50 | 0.07% |
| JAN M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $34 | — | $34 | 0.04% |
| DEBRA J CAPELLO3 | 47431 STATE HIGHWAY M26 UNIT 5A HOUGHTON, MI 49931 | AFLAC | $33 | — | $33 | 0.04% |
| RONALD D SOBER III3 Filed as: RONALD D SOBER | 1229 SCOTTS COURT CHARLEVOIX, MI 49720 | AFLAC | $30 | — | $30 | 0.04% |
| DANIEL M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $28 | — | $28 | 0.04% |
| ELENA F FRYCZYNSKI3 Filed as: ELENA FRYCZYNSKI | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $28 | — | $28 | 0.04% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK ROAD STE 230 NOVI, MI 48377 | AFLAC | $25 | — | $25 | 0.03% |
| MILTON A SUTTON3 | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $24 | — | $24 | 0.03% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $23 | — | $23 | 0.03% |
| VERA J MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $22 | — | $22 | 0.03% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $15 | — | $15 | 0.02% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $13 | — | $13 | 0.02% |
| RICHARD P SOMMERS3 | 1830 HANDLEY ST SAGINAW, MI 48602 | AFLAC | $13 | — | $13 | 0.02% |
| EDWARD C MOYLE3 | 525 FISHER ST APT 3 MARQUETTE, MI 49855 | AFLAC | $12 | — | $12 | 0.02% |
| STEPHANIE L KESSELRING0 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $11 | — | $11 | 0.01% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $11 | — | $11 | 0.01% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS AGENCY INC | PO BOX 747 MARQUETTE, MI 49855 | AFLAC | $11 | — | $11 | 0.01% |
| MARIAN POISSON3 | 813 PRINCE ST NEGAUNEE, MI 49866 | AFLAC | $11 | — | $11 | 0.01% |
| DAVID ANDREW PEPIN3 | 10000 N 31ST AVE PHOENIX, AZ 85051 | AFLAC | $10 | — | $10 | 0.01% |
| BRUCE T HARGER3 | 3526 BERMUDA AVE SAULT S MARIE, MI 49783 | AFLAC | $9 | — | $9 | 0.01% |
| TAMIE E KAUFMAN3 | 2227 QUARRY RD EAST LANSING, MI 48823 | AFLAC | $7 | — | $7 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.01% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $6 | — | $6 | 0.01% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $5 | — | $5 | 0.01% |
| LARRY L BANKEY3 | 3136 GLENWOOD DR LEXINGTON, KY 40509 | AFLAC | $4 | — | $4 | 0.01% |
| JEREMY T WRIGHT3 | 349A W MAIN ST PARK HILLS, MO 63601 | AFLAC | $3 | — | $3 | 0.00% |
| ROBERT W BRUMMELER3 | PO BOX 457 PETOSKEY, MI 49770 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID ANDREW PEPIN3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID ANDREW PEPIN3 | PO BOX 14563 SCOTTSDALE, AZ 85267 | AFLAC | $2 | — | $2 | 0.00% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 48421 | AFLAC | $2 | — | $2 | 0.00% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $1 | — | $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 | 844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 844 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM | 1,061 | $369K |
| Short-term disability | UNUM | 1,061 | $369K |
| Long-term disability | UNUM | 1,061 | $369K |
| Other(2 contracts) | AFLAC | 145 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,061 | — |
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.