| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | THE HARTFORD | $61K | — | $61K | 10.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS | 30150 TELEGRAPH ROAD STE 408 BINGHAM FARMS, MI 48025 | THE HARTFORD | $29K | — | $29K | 4.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | THE HARTFORD | $0 | $730 | $730 | 0.12% |
| DONITA J FLATT3 | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $3K | $17 | $3K | 3.21% |
| DONITA J FLATT3 | PO BOX 175 ENGADINE, MI 49827 | AFLAC | $1K | $159 | $1K | 1.52% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 516 W BARAGA AVE APT 3 MARQUETTE, MI 49855 | AFLAC | $1K | $3 | $1K | 1.38% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $796 | $35 | $831 | 0.93% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $512 | — | $512 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $425 | — | $425 | 0.47% |
| MARTINA VOLLMAN3 | 2262 BLACK FOREST LN TRAVERSE CITY, MI 49696 | AFLAC | $374 | — | $374 | 0.42% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $363 | — | $363 | 0.41% |
| KELLY E ZOELLNER3 | 271 PORTAGE STREET ST IGNACE, MI 49781 | AFLAC | $333 | — | $333 | 0.37% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $278 | — | $278 | 0.31% |
| BRYAN P BURLEY3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $267 | — | $267 | 0.30% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $222 | $32 | $254 | 0.28% |
| CHRISTINE JULIE STUTZNER3 | 5886 W 6 MILE RD BRIMLEY, MI 49715 | AFLAC | $242 | — | $242 | 0.27% |
| JEAN PEIFFER3 Filed as: JEAN L PEIFFER | 158 JH LN SKANDIA, MI 49885 | AFLAC | $232 | — | $232 | 0.26% |
| ETHAN GABRIEL HAUSMANN3 | PO BOX 854 GWINN, MI 49841 | AFLAC | $212 | — | $212 | 0.24% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $200 | — | $200 | 0.22% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $163 | — | $163 | 0.18% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $161 | — | $161 | 0.18% |
| CHRISTINE JULIE STUTZNER3 | 1012 BINGHAM AVE SAULT STE MARIE, MI 49783 | AFLAC | $149 | — | $149 | 0.17% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $147 | — | $147 | 0.16% |
| ZOELLNER ENTERPRISES LLC3 | 865 LYNN STREET BALDWIN, MI 49304 | AFLAC | $143 | — | $143 | 0.16% |
| AMY W SYLVAIN3 | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $143 | — | $143 | 0.16% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $128 | — | $128 | 0.14% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $119 | — | $119 | 0.13% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT STE MARIE, MI 49783 | AFLAC | $117 | — | $117 | 0.13% |
| VERA J MANVILLE-MIEDEMA3 Filed as: VERA J MANVILLE - MIEDEMA | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $116 | — | $116 | 0.13% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $115 | — | $115 | 0.13% |
| SARA MENZEL3 | 524 E OHIO STREET MARQUETTE, MI 49855 | AFLAC | $110 | — | $110 | 0.12% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $97 | — | $97 | 0.11% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $92 | — | $92 | 0.10% |
| ZOELLNER ENTERPRISES LLC3 | 271 PORTAGE STREET ST IGNACE, MI 49781 | AFLAC | $85 | — | $85 | 0.09% |
| LYNNE M HARVEY3 | 307 S MAPLE AVENUE GAYLORD, MI 49735 | AFLAC | $80 | — | $80 | 0.09% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $70 | — | $70 | 0.08% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $49 | — | $49 | 0.05% |
| BRUCE T HARGER3 | 3526 BERMUDA AVENUE SAULT STE MARIE, MI 49783 | AFLAC | $42 | — | $42 | 0.05% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $40 | — | $40 | 0.04% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $36 | — | $36 | 0.04% |
| SCCU SERVICES LLC3 Filed as: SCCU SERVICES | 536 BINGHAM SAULT STE MARIE, MI 49783 | AFLAC | $30 | — | $30 | 0.03% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $17 | — | $17 | 0.02% |
| DAVID ANDREW PEPIN3 | 9341 FORT BAYARD AVE LAS VEGAS, NV 89178 | AFLAC | $17 | — | $17 | 0.02% |
| ALAN BERGMANN3 | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | AFLAC | $14 | — | $14 | 0.02% |
| VICKI L BELLEFEUIL3 | PO BOX 167 POWERS, MI 49874 | AFLAC | $13 | — | $13 | 0.01% |
| MILTON A SUTTON3 | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $13 | — | $13 | 0.01% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $13 | — | $13 | 0.01% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $12 | — | $12 | 0.01% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $11 | — | $11 | 0.01% |
| DANIEL M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $9 | — | $9 | 0.01% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $8 | — | $8 | 0.01% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $8 | — | $8 | 0.01% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 Filed as: MICHIGAN ACCT SERVICE TEAM | 2218 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $7 | — | $7 | 0.01% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PL TER FORT SMITH, AR 72908 | AFLAC | $6 | — | $6 | 0.01% |
| STEPHEN H MADIGAN3 | 105 WATER STREET SAULT STE MARIE, MI 49783 | AFLAC | $5 | — | $5 | 0.01% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $3 | — | $3 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DRIVE EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.00% |
| JOAN M MCCORMICK3 Filed as: JOAN MCCORMICK | 12042 S ELK RUN TRAVERSE CITY, MI 49684 | AFLAC | $2 | — | $2 | 0.00% |
| STEPHANIE L KESSELRING3 | 499 BATH CLUB BLVD N NORTH REDINGTON BEACH, FL 33708 | AFLAC | $1 | — | $1 | 0.00% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREW STREET HOWELL, MI 48843 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $1 | — | $1 | 0.00% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 516 W BARAGA AVE APT 3 MARQUETTE, MI 49855 | AFLAC | $3K | $11 | $3K | 3.64% |
| DONITA J FLATT3 | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $3K | $53 | $3K | 3.07% |
| AMY W SYLVAIN3 | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $2K | $8 | $2K | 1.91% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $1K | $32 | $1K | 1.60% |
| DONITA J FLATT3 | PO BOX 175 ENGADINE, MI 49827 | AFLAC | $1K | $107 | $1K | 1.34% |
| CHRISTINE JULIE STUTZNER3 | 1012 BINGHAM AVE SAULT STE MARIE, MI 49783 | AFLAC | $929 | $22 | $951 | 1.07% |
| KATHRYN SUZANNE MACDONALD SWENOR3 | 1900 LONGYEAR AVE MARQUETTE, MI 49855 | AFLAC | $641 | — | $641 | 0.72% |
| CHRISTINE JULIE STUTZNER3 | 5883 W 6 MILE RD BRIMLEY, MI 49715 | AFLAC | $616 | — | $616 | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $521 | — | $521 | 0.59% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $429 | — | $429 | 0.48% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140 GRAND RAPIDS, MI 49514 | AFLAC | $383 | — | $383 | 0.43% |
| MARTINA VOLLMAN3 | 2262 BLACK FOREST LN TRAVERSE CITY, MI 49696 | AFLAC | $324 | — | $324 | 0.36% |
| ETHAN GABRIEL HAUSMANN3 | PO BOX 854 GWINN, MI 49841 | AFLAC | $279 | — | $279 | 0.31% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE RD ALDEN, MI 49612 | AFLAC | $229 | — | $229 | 0.26% |
| KELLY E ZOELLNER3 | 271 PORTAGE ST ST IGNACE, MI 49781 | AFLAC | $167 | — | $167 | 0.19% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVENUE GLADSTONE, MI 49837 | AFLAC | $160 | — | $160 | 0.18% |
| SARA MENZEL3 | 524 E OHIO STREET MARQUETTE, MI 49855 | AFLAC | $151 | — | $151 | 0.17% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT STE MARIE, MI 49783 | AFLAC | $124 | — | $124 | 0.14% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $120 | — | $120 | 0.14% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $116 | — | $116 | 0.13% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $112 | — | $112 | 0.13% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $111 | — | $111 | 0.13% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $98 | — | $98 | 0.11% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $97 | — | $97 | 0.11% |
| ZOELLNER ENTERPRISES LLC3 | 865 LYNN STREET BALDWIN, MI 49304 | AFLAC | $93 | — | $93 | 0.10% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $87 | — | $87 | 0.10% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $75 | — | $75 | 0.08% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $74 | — | $74 | 0.08% |
| LYNNE M HARVEY3 | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $72 | — | $72 | 0.08% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $71 | — | $71 | 0.08% |
| DEREK RAY BLAIS3 | 4959 N FOSTER STR FOUNTAIN, MI 49410 | AFLAC | $61 | — | $61 | 0.07% |
| ZOELLNER ENTERPRISES LLC3 | 271 PORTAGE STREET ST IGNACE, MI 49781 | AFLAC | $46 | — | $46 | 0.05% |
| TENA SUE ROJEM-BENDER3 | 616 FISHER STR MARQUETTE, MI 49855 | AFLAC | $42 | — | $42 | 0.05% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $41 | — | $41 | 0.05% |
| DEREK RAY BLAIS3 | 2469 N TUTTLE RD SCOTTVILLE, MI 49454 | AFLAC | $38 | — | $38 | 0.04% |
| JAN M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $37 | — | $37 | 0.04% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $37 | — | $37 | 0.04% |
| DANIEL M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $30 | — | $30 | 0.03% |
| TENA SUE ROJEM-BENDER3 | 18039 LEWIS SMITH DR FOLEY, AL 36535 | AFLAC | $27 | — | $27 | 0.03% |
| EDWARD C MOYLE3 | 525 FISHER STR APT 3 MARQUETTE, MI 49855 | AFLAC | $26 | — | $26 | 0.03% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS AGENCY INC | PO BOX 747 MARQUETTE, MI 49855 | AFLAC | $24 | — | $24 | 0.03% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $21 | — | $21 | 0.02% |
| MILTON A SUTTON3 | 6965 S GREEN STREET BRIMLEY, MI 49715 | AFLAC | $20 | — | $20 | 0.02% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $19 | — | $19 | 0.02% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $16 | — | $16 | 0.02% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $16 | — | $16 | 0.02% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $13 | — | $13 | 0.01% |
| DAVID ANDREW PEPIN3 | 9341 FORT BAYARD AVENUE LAS VEGAS, NV 89178 | AFLAC | $13 | — | $13 | 0.01% |
| BRUCE T HARGER3 | 3526 BERMUDA DRIVE SAULT STE MARIE, MI 49783 | AFLAC | $10 | — | $10 | 0.01% |
| ALAN BERGMANN3 | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | AFLAC | $9 | — | $9 | 0.01% |
| TAMIE E KAUFMAN3 | 1101 E HECTOR STREET UNIT 461 CONSHOHOCKEN, PA 19428 | AFLAC | $8 | — | $8 | 0.01% |
| RONALD D SOBER III3 | 1229 SCOTTS COURT CHARLEVOIX, MI 49720 | AFLAC | $7 | — | $7 | 0.01% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $5 | — | $5 | 0.01% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $5 | — | $5 | 0.01% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN C MILFORD, MI 48380 | AFLAC | $5 | — | $5 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.00% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DRIVE EAST LANSING, MI 48823 | AFLAC | $4 | — | $4 | 0.00% |
| JEREMY T WRIGHT3 | 349A WEST MAIN STREET PARK HILLS, MO 63601 | AFLAC | $3 | — | $3 | 0.00% |
| VERA J MANVILLE-MIEDEMA3 Filed as: VERA J MANVILLE - MIEDEMA | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $2 | — | $2 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $2 | — | $2 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 48421 | AFLAC | $2 | — | $2 | 0.00% |
| STEPHANIE L KESSELRING3 | 499 BATH CLUB BLVD N NORTH REDINGTON BEACH, FL 33708 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT W BRUMMELER3 | PO BOX 457 PETOSKEY, MI 49770 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DRIVE 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 | 828 | 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) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD | 1,111 | $600K |
| Short-term disability | THE HARTFORD | 1,111 | $600K |
| Long-term disability | THE HARTFORD | 1,111 | $600K |
| Other(3 contracts, 2 carriers) | THE HARTFORD | 1,111 | $779K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,111 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.