| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $89K | $4K | $93K | 15.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.24% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | DELTA DENTAL OF MICHIGAN | $0 | $0 | $0 | 0.00% |
| CHRISTINE JULIE STUTZNER3 | 5883 W 6 MILE RD BRIMLEY, MI 49715 | AFLAC | $4K | $173 | $4K | 5.36% |
| DONITA J FLATT3 Filed as: DONITA FLATT | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $2K | — | $2K | 3.00% |
| JULIE C HOBER3 | 2326 W 4TH AVE SAULT S MARIE, MI 49783 | AFLAC | $2K | — | $2K | 2.65% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 372 W PARK ST MARQUETTE, MI 49855 | AFLAC | $1K | $144 | $1K | 1.82% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $461 | $57 | $518 | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $424 | — | $424 | 0.52% |
| MYRNA L MURRAY3 Filed as: MYRNA MURRAY | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $364 | — | $364 | 0.44% |
| AMY W SYLVAIN3 | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $229 | $84 | $313 | 0.38% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $303 | — | $303 | 0.37% |
| MARTINA VOLLMAN3 | 2262 BLACK FOREST LN TRAVERSE CITY, MI 49696 | AFLAC | $261 | — | $261 | 0.32% |
| ZOELLNER ENTERPRISES LLC3 | 865 LYNN ST BALDWIN, MI 49304 | AFLAC | $250 | — | $250 | 0.30% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $178 | — | $178 | 0.22% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $110 | — | $110 | 0.13% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $103 | — | $103 | 0.13% |
| ETHAN GABRIEL HAUSMANN3 | PO BOX 854 GWINN, MI 49841 | AFLAC | $74 | $28 | $102 | 0.12% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $101 | — | $101 | 0.12% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $101 | — | $101 | 0.12% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $98 | $2 | $100 | 0.12% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $95 | — | $95 | 0.12% |
| DEREK RAY BLAIS3 | 2469 N TUTTLE RD SCOTTVILLE, MI 49454 | AFLAC | $91 | — | $91 | 0.11% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $90 | — | $90 | 0.11% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $84 | — | $84 | 0.10% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $79 | $2 | $81 | 0.10% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $80 | — | $80 | 0.10% |
| TENA SUE ROJEM-BENDER3 | 18039 LEWIS SMITH DR FOLEY, AL 36535 | AFLAC | $64 | — | $64 | 0.08% |
| LYNNE M HARVEY3 | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $63 | — | $63 | 0.08% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $63 | — | $63 | 0.08% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $56 | — | $56 | 0.07% |
| BENJAMIN HUNTER3 Filed as: BENJAMIN HUNGER | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $56 | — | $56 | 0.07% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $45 | — | $45 | 0.05% |
| KATHRYN SUZANNE MACDONALD SWENOR3 | 1900 LONGYEAR AVE MARQUETTE, MI 49855 | AFLAC | $36 | — | $36 | 0.04% |
| JAN M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $34 | — | $34 | 0.04% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $29 | — | $29 | 0.04% |
| DANIEL M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $26 | — | $26 | 0.03% |
| EDWARD C MOYLE3 | 525 FISHER ST 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 | $25 | — | $25 | 0.03% |
| VERA J MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $22 | — | $22 | 0.03% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $18 | — | $18 | 0.02% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $17 | — | $17 | 0.02% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $14 | — | $14 | 0.02% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $11 | — | $11 | 0.01% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $11 | — | $11 | 0.01% |
| MILTON A SUTTON3 | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $11 | — | $11 | 0.01% |
| BRUCE T HARGER3 | 3526 BERMUDA AVE SAULT S MARIE, MI 49783 | AFLAC | $9 | — | $9 | 0.01% |
| DAVID ANDREW PEPIN3 | 9341 FORT BAYARD AVE LAS VEGAS, NV 89178 | AFLAC | $9 | — | $9 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $7 | — | $7 | 0.01% |
| TAMIE E KAUFMAN3 | 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% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $6 | — | $6 | 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% |
| JEREMY T WRIGHT3 | 394A W MAIN ST PARK HILLS, MO 63601 | AFLAC | $3 | — | $3 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID ANDREW PEPIN3 | 1307 S LINCOLN RD ESCANABA, MI 49829 | AFLAC | $3 | — | $3 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $2 | — | $2 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | 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% |
| DONITA J FLATT3 | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $3K | — | $3K | 3.93% |
| CHRISTINE JULIE STUTZNER3 | 5883 W 6 MILE RD BRIMLEY, MI 49715 | AFLAC | $808 | $47 | $855 | 1.18% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $434 | $28 | $462 | 0.64% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $432 | — | $432 | 0.60% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 372 W PARK ST MARQUETTE, MI 49855 | AFLAC | $333 | $90 | $423 | 0.58% |
| ZOELLNER ENTERPRISES LLC3 | 865 LYNN ST BALDWIN, MI 49304 | AFLAC | $405 | — | $405 | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $371 | — | $371 | 0.51% |
| NORTHERN BENEFITS NETWORK | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $313 | — | $313 | 0.43% |
| MARTINA VOLLMAN3 | 2262 BLACK FOREST LN TRAVERSE CITY, MI 49696 | AFLAC | $287 | — | $287 | 0.40% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $223 | — | $223 | 0.31% |
| BRYAN P BURLEY3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $178 | — | $178 | 0.25% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $177 | — | $177 | 0.24% |
| JULIE C HOBER3 | 2326 W 4TH AVE SAULT S MARIE, MI 49783 | AFLAC | $158 | — | $158 | 0.22% |
| JEAN PEIFFER3 Filed as: JEAN L PEIFFER | 158 JH LN SKANDIA, MI 49885 | AFLAC | $134 | — | $134 | 0.18% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $134 | — | $134 | 0.18% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $132 | — | $132 | 0.18% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $127 | — | $127 | 0.18% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $109 | — | $109 | 0.15% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $109 | — | $109 | 0.15% |
| VERA J MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $107 | — | $107 | 0.15% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $99 | — | $99 | 0.14% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $98 | — | $98 | 0.14% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $94 | — | $94 | 0.13% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $90 | — | $90 | 0.12% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $84 | — | $84 | 0.12% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $80 | — | $80 | 0.11% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $80 | — | $80 | 0.11% |
| LYNNE M HARVEY3 | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $68 | — | $68 | 0.09% |
| ETHAN GABRIEL HAUSMANN3 | PO BOX 854 GWINN, MI 49841 | AFLAC | $45 | $20 | $65 | 0.09% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $64 | — | $64 | 0.09% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $39 | — | $39 | 0.05% |
| AMY W SYLVAIN3 | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $27 | $11 | $38 | 0.05% |
| SCCU SERVICES LLC3 | 536 BINGHAM AVE SAULT S MARIE, MI 49783 | AFLAC | $28 | — | $28 | 0.04% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $26 | — | $26 | 0.04% |
| BRUCE T HARGER3 | 3526 BERMUDA AVE SAULT S MARIE, MI 49783 | AFLAC | $19 | — | $19 | 0.03% |
| JASON L GLICK3 | 7628 S GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $15 | — | $15 | 0.02% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $12 | — | $12 | 0.02% |
| MILTON A SUTTON3 | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $12 | — | $12 | 0.02% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $11 | — | $11 | 0.02% |
| DAVID ANDREW PEPIN3 | 9341 FORT BAYARD AVE LAS VEGAS, NV 89178 | AFLAC | $9 | — | $9 | 0.01% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $9 | — | $9 | 0.01% |
| DANIEL M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $8 | — | $8 | 0.01% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2218 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $6 | — | $6 | 0.01% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $6 | — | $6 | 0.01% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $5 | — | $5 | 0.01% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $5 | — | $5 | 0.01% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $4 | — | $4 | 0.01% |
| STEPHEN H MADIGAN3 | 105 W WATER ST SAULT S MARIE, MI 49783 | AFLAC | $4 | — | $4 | 0.01% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID ANDREW PEPIN3 | 1307 S LINCOLN RD ESCANABA, MI 49829 | AFLAC | $3 | — | $3 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.00% |
| VICKI L BELLEFEUIL3 | PO BOX 167 POWERS, MI 49874 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | 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 | 814 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,558 | $259K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,114 | $592K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,114 | $592K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,114 | $592K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,114 | $747K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,558 | — |
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.