| 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 | $84K | $0 | $84K | 15.00% |
| MARGARET HANCOCK3 | 2 WHITE PINE WAY KINCHELOE, MI 49788 | AFLAC | $3K | $28 | $4K | 4.15% |
| DONITA J FLATT3 | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $3K | $0 | $3K | 3.25% |
| JENNIFER LEE WOLFE3 Filed as: JENNIFER LEE WOLF | 318 E STATE HIGHWAY M35 APT 13 GWINN, MI 49841 | AFLAC | $2K | $72 | $2K | 2.93% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 372 W PARK ST MARQUETTE, MI 49855 | AFLAC | $1K | $10 | $1K | 1.48% |
| TREVOR NUMMELA3 | E7891 HOLLY DR CHRISTMAS, MI 49862 | AFLAC | $1K | $0 | $1K | 1.38% |
| DAVID ANDREW PEPIN3 | 1307 S LINCOLN RD ESCANABA, MI 49829 | AFLAC | $705 | $0 | $705 | 0.83% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $401 | $0 | $401 | 0.47% |
| ZOELLNER ENTERPRISES LLC3 Filed as: ZOELLNER ENTERPRISES INC | 865 LYNN ST BALDWIN, MI 49304 | AFLAC | $363 | $0 | $363 | 0.43% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $356 | $0 | $356 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $350 | $0 | $350 | 0.41% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $286 | $0 | $286 | 0.34% |
| MARTINA VOLLMAN3 | 1756 HAMMER RD KINGSLEY, MI 49649 | AFLAC | $250 | $0 | $250 | 0.30% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $224 | $0 | $224 | 0.27% |
| CHRISTINE JULIE STUTZNER3 | 5883 W 6 MILE RD BRIMLEY, MI 49715 | AFLAC | $149 | $39 | $188 | 0.22% |
| BRYAN P BURLEY3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $167 | $0 | $167 | 0.20% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $157 | $0 | $157 | 0.19% |
| JEAN PEIFFER3 Filed as: JEAN L PEIFFER | 158 JH LN SKANDIA, MI 49885 | AFLAC | $126 | $0 | $126 | 0.15% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $125 | $0 | $125 | 0.15% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $119 | $0 | $119 | 0.14% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $117 | $0 | $117 | 0.14% |
| BENJAMIN HUNTER3 Filed as: BENJAMIN HUNGER | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $116 | $0 | $116 | 0.14% |
| VERA J MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $108 | $0 | $108 | 0.13% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $104 | $0 | $104 | 0.12% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $102 | $0 | $102 | 0.12% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT S MARIE, MI 49783 | AFLAC | $95 | $0 | $95 | 0.11% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $82 | $0 | $82 | 0.10% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $81 | $0 | $81 | 0.10% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $79 | $0 | $79 | 0.09% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $79 | $0 | $79 | 0.09% |
| JAN M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $76 | $0 | $76 | 0.09% |
| LYNNE M HARVEY3 | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $71 | $0 | $71 | 0.08% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $71 | $0 | $71 | 0.08% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $65 | $0 | $65 | 0.08% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $45 | $0 | $45 | 0.05% |
| JULIE C HOBER3 | 2326 W 4TH AVE SAULT S MARIE, MI 49783 | AFLAC | $36 | $6 | $42 | 0.05% |
| KATHLEEN L HART3 | 500 STRATOCRUISER ST GWINN, MI 49841 | AFLAC | $41 | $0 | $41 | 0.05% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $36 | $0 | $36 | 0.04% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $24 | $0 | $24 | 0.03% |
| SCCU SERVICES LLC3 | 536 BINGHAM SAULT S MARIE, MI 49783 | AFLAC | $22 | $0 | $22 | 0.03% |
| JASON L GLICK3 Filed as: JASON C GLICK | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $17 | $0 | $17 | 0.02% |
| BRUCE T HARGER3 | 407 CHRISTOPHERS CT WALESKA, GA 30183 | AFLAC | $16 | $0 | $16 | 0.02% |
| MILTON A SUTTON3 | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $12 | $0 | $12 | 0.01% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $11 | $0 | $11 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $10 | $0 | $10 | 0.01% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $8 | $0 | $8 | 0.01% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $7 | $0 | $7 | 0.01% |
| DANIEL M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $7 | $0 | $7 | 0.01% |
| AMY W SYLVAIN3 | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $7 | $0 | $7 | 0.01% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 Filed as: MICHIGAN ACCOUNT SERVICE TEAM | 2218 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $6 | $0 | $6 | 0.01% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $5 | $0 | $5 | 0.01% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 48421 | AFLAC | $5 | $0 | $5 | 0.01% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $4 | $0 | $4 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | $0 | $2 | 0.00% |
| JEFFREY C WERNER3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $2 | $0 | $2 | 0.00% |
| STEPHEN H MADIGAN3 Filed as: STEPHEN MADIGAN | 105 W WATER ST SAULT S MARIE, MI 49783 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $1 | $0 | $1 | 0.00% |
| DONITA J FLATT3 | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $2K | $0 | $2K | 3.25% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 372 W PARK ST MARQUETTE, MI 49855 | AFLAC | $2K | $54 | $2K | 2.53% |
| CHRISTINE JULIE STUTZNER3 | 5883 W 6 MILE RD BRIMLEY, MI 49715 | AFLAC | $560 | $149 | $709 | 1.02% |
| MARGARET HANCOCK3 | 2 WHITE PINE WAY KINCHELOE, MI 49788 | AFLAC | $635 | $0 | $635 | 0.92% |
| JENNIFER LEE WOLFE3 | 318 E STATE HIGHWAY M35 APT 13 GWINN, MI 49841 | AFLAC | $506 | $0 | $506 | 0.73% |
| JULIE C HOBER3 | 2326 W 4TH AVE SAULT S MARIE, MI 49783 | AFLAC | $252 | $108 | $360 | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $350 | $0 | $350 | 0.51% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $326 | $0 | $326 | 0.47% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $310 | $0 | $310 | 0.45% |
| DAVID ANDREW PEPIN3 | 1307 S LINCOLN RD ESCANABA, MI 49829 | AFLAC | $259 | $0 | $259 | 0.37% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $252 | $0 | $252 | 0.36% |
| MARTINA VOLLMAN3 | 1756 HAMMER RD KINGSLEY, MI 49649 | AFLAC | $229 | $0 | $229 | 0.33% |
| ZOELLNER ENTERPRISES LLC3 | 865 LYNN ST BALDWIN, MI 49304 | AFLAC | $224 | $0 | $224 | 0.32% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $154 | $0 | $154 | 0.22% |
| MIELKE INSURANCE INC3 Filed as: MIELKE INSURNACE INC | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $97 | $0 | $97 | 0.14% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT S MARIE, MI 49783 | AFLAC | $95 | $0 | $95 | 0.14% |
| DEREK RAY BLAIS3 | 2469 N TUTTLE RD SCOTTVILLE, MI 49454 | AFLAC | $91 | $0 | $91 | 0.13% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $85 | $0 | $85 | 0.12% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $82 | $0 | $82 | 0.12% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $80 | $0 | $80 | 0.12% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $80 | $0 | $80 | 0.12% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $79 | $0 | $79 | 0.11% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $73 | $0 | $73 | 0.11% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $71 | $0 | $71 | 0.10% |
| TENA SUE ROJEM-BENDER3 | 18039 LEWIS SMITH DR FOLEY, AL 36535 | AFLAC | $64 | $0 | $64 | 0.09% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $62 | $0 | $62 | 0.09% |
| LYNNE M HARVEY3 | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $60 | $0 | $60 | 0.09% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $58 | $0 | $58 | 0.08% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $48 | $0 | $48 | 0.07% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $47 | $0 | $47 | 0.07% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $36 | $0 | $36 | 0.05% |
| AMY W SYLVAIN3 Filed as: AMY W SYLVAN | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $35 | $0 | $35 | 0.05% |
| JAN M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $34 | $0 | $34 | 0.05% |
| EDWARD C MOYLE3 | 525 FISHER ST APT 3 MARQUETTE, MI 49855 | AFLAC | $26 | $0 | $26 | 0.04% |
| DANIEL M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $26 | $0 | $26 | 0.04% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $26 | $0 | $26 | 0.04% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS AGENCY INC | PO BOX 747 MARQUETTE, MI 49855 | AFLAC | $25 | $0 | $25 | 0.04% |
| VERA J MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $22 | $0 | $22 | 0.03% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $18 | $0 | $18 | 0.03% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $14 | $0 | $14 | 0.02% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $13 | $0 | $13 | 0.02% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $9 | $0 | $9 | 0.01% |
| BRUCE T HARGER3 | 407 CHRISTOPHERS CT WALESKA, GA 30183 | AFLAC | $9 | $0 | $9 | 0.01% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $8 | $0 | $8 | 0.01% |
| TAMIE E KAUFMAN3 | 1101 E HECTOR ST UNIT 461 CONSHOHOCKEN, PA 19428 | AFLAC | $7 | $0 | $7 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $6 | $0 | $6 | 0.01% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $5 | $0 | $5 | 0.01% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $5 | $0 | $5 | 0.01% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $4 | $0 | $4 | 0.01% |
| RONALD D SOBER III3 | 1229 SCOTTS CT CHARLEVOIX, MI 49720 | AFLAC | $4 | $0 | $4 | 0.01% |
| JEREMY T WRIGHT3 | 349A W MAIN ST PARK HILLS, MO 63601 | AFLAC | $3 | $0 | $3 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | $0 | $2 | 0.00% |
| JEFFREY C WERNER3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $2 | $0 | $2 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $2 | $0 | $2 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | $0 | $2 | 0.00% |
| ROBERT W BRUMMELER3 Filed as: ROBERT BRUMMELER | PO BOX 457 PETOSKEY, MI 49770 | AFLAC | $2 | $0 | $2 | 0.00% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | 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 | 762 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,448 | $245K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 917 | $563K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 917 | $563K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 917 | $563K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 944 | $607K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 917 | $717K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,448 | — |
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.