| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | HARTFORD LIFE AND ACCIDENT | $80K | — | $80K | 15.00% |
| DONITA J FLATT3 | PO BOX 175 ENGADINE, MI 49827 | AFLAC | $6K | $194 | $6K | 7.54% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $871 | $42 | $913 | 1.07% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $635 | $16 | $651 | 0.77% |
| KELLY E ZOELLNER3 | 2782N COOPER RD GULLIVER, MI 49840 | AFLAC | $591 | — | $591 | 0.69% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $487 | — | $487 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $434 | — | $434 | 0.51% |
| MARTINA VOLLMAN3 | 2420 ORCHARD CIRCLE DR TRAVERSE CITY, MI 49686 | AFLAC | $378 | $30 | $408 | 0.48% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $356 | — | $356 | 0.42% |
| BRYAN P BURLEY3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $340 | — | $340 | 0.40% |
| MIELKE INSURANCE INC3 Filed as: MIELKE INSURANCE INC. | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $251 | — | $251 | 0.29% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $224 | — | $224 | 0.26% |
| JEAN PEIFFER3 Filed as: JEAN L PEIFFER | 158 JH LN SKANDIA, MI 49885 | AFLAC | $197 | — | $197 | 0.23% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $153 | — | $153 | 0.18% |
| ANDREW K GLAUB3 | 6155 GREABEAR TRL EAST LANSING, MI 48823 | AFLAC | $150 | — | $150 | 0.18% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $142 | — | $142 | 0.17% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $129 | — | $129 | 0.15% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $122 | — | $122 | 0.14% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $114 | — | $114 | 0.13% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $112 | — | $112 | 0.13% |
| INSURANCE BY BURLEY AGCY INC3 Filed as: INSURANCE BY BURLEY AGCY INC. | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $104 | — | $104 | 0.12% |
| VERA J MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $99 | — | $99 | 0.12% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $95 | — | $95 | 0.11% |
| BENJAMIN HUNTER3 | 11193 GUY ST FISHERS, IN 46038 | AFLAC | $95 | — | $95 | 0.11% |
| PATRICK A BELL3 | 12469 HERBON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $89 | — | $89 | 0.10% |
| LYNNE M HARVEY3 | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $77 | — | $77 | 0.09% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $60 | — | $60 | 0.07% |
| BRUCE T HARGER3 | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $46 | — | $46 | 0.05% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $38 | — | $38 | 0.04% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $35 | — | $35 | 0.04% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $34 | — | $34 | 0.04% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $30 | — | $30 | 0.04% |
| SCCU SERVICES LLC3 | 536 BINGHAM AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $26 | — | $26 | 0.03% |
| DAVID ANDREW PEPIN3 | 9341 FORT BAYARD AVE LAZ VEGAS, NV 89178 | AFLAC | $24 | — | $24 | 0.03% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 516 W BARAGA AVE APT 3 MARQUETTE, MI 49855 | AFLAC | $24 | — | $24 | 0.03% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $17 | — | $17 | 0.02% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK ROAD STE 230 NOVI, MI 48377 | AFLAC | $14 | — | $14 | 0.02% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $13 | — | $13 | 0.02% |
| VICKI L BELLEFEUIL3 | PO BOX 167 POWERS, MI 49874 | AFLAC | $12 | — | $12 | 0.01% |
| TRACY E BIELACZYC3 Filed as: TRACY E BEILACZYC | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $12 | — | $12 | 0.01% |
| MILTON A SUTTON3 | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $11 | — | $11 | 0.01% |
| JOAN M MCCORMICK3 | 12042 S ELK RUN TRAVERSE CITY, MI 49684 | AFLAC | $11 | — | $11 | 0.01% |
| DANIEL M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $8 | — | $8 | 0.01% |
| DEBRA J CAPELLO3 | 47431 STATE HIGHWAY M26 UNIT 5A HOUGHTON, MI 49931 | 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 49421 | 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% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 Filed as: MICHIGAN ACCOUNT SERVICE TEAM INC. | 2218 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $6 | — | $6 | 0.01% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $4 | — | $4 | 0.00% |
| STEPHEN H MADIGAN3 | 105 W WATER ST SAULT S MARIE, MI 49783 | AFLAC | $4 | — | $4 | 0.00% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSGIN, MI 48823 | AFLAC | $4 | — | $4 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OEKMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 | 6370 PINE HALLOW DR EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.00% |
| MARIAN POISSON3 | 813 PRINCE ST NEGAUNEE, MI 49866 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $1 | — | $1 | 0.00% |
| DONITA J FLATT3 | PO BOX 175 ENGADINE, MI 49827 | AFLAC | $4K | $133 | $4K | 6.59% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $615 | $29 | $644 | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $492 | — | $492 | 0.74% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $404 | — | $404 | 0.61% |
| MARTINA VOLLMAN3 | 2460 ORCHARD CIRCLE DR APT 6 TRAVERSE CITY, MI 49686 | AFLAC | $342 | $27 | $369 | 0.55% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $365 | — | $365 | 0.55% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $360 | $2 | $362 | 0.54% |
| KELLY E ZOELLNER3 | 2782N COOPER RD GULLIVER, MI 49840 | AFLAC | $315 | — | $315 | 0.47% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $220 | — | $220 | 0.33% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $129 | — | $129 | 0.19% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $115 | — | $115 | 0.17% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $106 | — | $106 | 0.16% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $100 | — | $100 | 0.15% |
| ANDREW K GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $100 | — | $100 | 0.15% |
| DEREK RAY BLAIS3 | 4959 N FOSTER ST FOUNTAIN, MI 49410 | AFLAC | $85 | — | $85 | 0.13% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $82 | — | $82 | 0.12% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $82 | — | $82 | 0.12% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $81 | — | $81 | 0.12% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $72 | — | $72 | 0.11% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $72 | — | $72 | 0.11% |
| LYNNE M HARVEY3 Filed as: LYNNE M HARVERY | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $61 | — | $61 | 0.09% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $49 | — | $49 | 0.07% |
| BENJAMIN HUNTER3 | 11193 GUY ST FISHERS, IN 46038 | AFLAC | $49 | — | $49 | 0.07% |
| RICHARD L AMBLE3 Filed as: RICHARD LAMBLE | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $46 | — | $46 | 0.07% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 516 W BARAGA AVE APT 3 MARQUETTE, MI 49855 | AFLAC | $46 | — | $46 | 0.07% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $40 | — | $40 | 0.06% |
| TENA SUE ROJEM-BENDER3 | 616 FISHER ST MARQUETTE, MI 49855 | AFLAC | $38 | — | $38 | 0.06% |
| JAN M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $32 | — | $32 | 0.05% |
| DANIEL M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $26 | — | $26 | 0.04% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $23 | — | $23 | 0.03% |
| TENA ROJEM-BENDER3 | 616 FISHER ST MARQUETTE, MI 49855 | AFLAC | $22 | — | $22 | 0.03% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK ROAD STE 230 NOVI, MI 48377 | AFLAC | $21 | — | $21 | 0.03% |
| VERA J MANVILLE-MIEDEMA3 Filed as: VERA J MANVILLE - MIEDEMA | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $21 | — | $21 | 0.03% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $20 | — | $20 | 0.03% |
| BEJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $19 | — | $19 | 0.03% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $18 | — | $18 | 0.03% |
| MILTON A SUTTON3 | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $17 | — | $17 | 0.03% |
| AG AND ASSOCIATES3 Filed as: AS AND ASSOCIATES | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $14 | — | $14 | 0.02% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $12 | — | $12 | 0.02% |
| DAVID ANDREW PEPIN3 | 9341 FORT BAYARD AVE LAS VEGAS, NV 89178 | AFLAC | $11 | — | $11 | 0.02% |
| EDWARD C MOYLE3 | 525 FISHER ST APT 3 MARQUETTE, MI 49855 | AFLAC | $11 | — | $11 | 0.02% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS AGENCY INC | PO BOX 747 MARQUETTE, MI 49855 | AFLAC | $10 | — | $10 | 0.02% |
| DEBRA J CAPELLO3 | 47431 STATE HIGHWAY M26 UNIT 5A HOUGHTON, MI 49931 | AFLAC | $10 | — | $10 | 0.02% |
| BRUCE T HARGER3 | 3526 BERMUDA AVE SAULT S MARIE, MI 49783 | AFLAC | $9 | — | $9 | 0.01% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $8 | — | $8 | 0.01% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $8 | — | $8 | 0.01% |
| TAMIE E KAUFMAN3 Filed as: TAMIE E KAUFAMN | 1101 E HECTOR ST UNIT 461 CONSHOHOCKEN, PA 19428 | AFLAC | $7 | — | $7 | 0.01% |
| RONALD D SOBER III3 | 1229 SCOTTS COURT CHARLEVOIX, MI 49720 | AFLAC | $7 | — | $7 | 0.01% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $5 | — | $5 | 0.01% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $5 | — | $5 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.01% |
| JEFFERY C WENER3 | 6370 PINE HOLLOW DR UNIVERSAL SCRAP METALS, MI 48823 | AFLAC | $4 | — | $4 | 0.01% |
| JEREMY T WRIGHT3 | 349A W MAIN ST PARK HILLS, MO 63601 | AFLAC | $4 | — | $4 | 0.01% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $3 | — | $3 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $3 | — | $3 | 0.00% |
| MARIAN POISSON3 | 813 PRINCE ST NEGAUNEE, MI 49866 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT W BRUMMELER3 | PO BOX 457 PETOSKEY, MI 49770 | AFLAC | $2 | — | $2 | 0.00% |
| LARRY L BANKEY3 | 3136 GLENWOOD DR LEXINGTON, KY 40509 | AFLAC | $1 | — | $1 | 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 | 1,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,046 | $531K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,046 | $531K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,046 | $531K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,046 | $682K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,046 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.