| 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 | $103K | — | $103K | 15.00% |
| MARGARET HANCOCK3 | 2 WHITE PINE WAY KINCHELOE, MI 49788 | AFLAC | $4K | $61 | $4K | 4.77% |
| DONITA J FLATT3 | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $2K | — | $2K | 2.79% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 372 W PARK ST MARQUETTE, MI 49855 | AFLAC | $2K | $84 | $2K | 2.35% |
| DAVID ANDREW PEPIN3 | 4176 STATE HIGHWAY M35 ESCANABA, MI 49829 | AFLAC | $731 | $81 | $812 | 0.91% |
| JENNIFER LEE WOLFE3 | 318 E STATE HIGHWAY M35 APT 13 GWINN, MI 49841 | AFLAC | $587 | $160 | $747 | 0.84% |
| TREVOR NUMMELA3 | E7891 HOLLY DR CHRISTMAS, MI 49862 | AFLAC | $304 | $61 | $365 | 0.41% |
| ZOELLNER ENTERPRISES LLC3 | 865 LYNN ST BALDWIN, MI 49304 | AFLAC | $345 | — | $345 | 0.39% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $339 | — | $339 | 0.38% |
| MARY E SCHATZ3 | 1102 TONTI RD MARQUETTE, MI 49855 | AFLAC | $331 | — | $331 | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $317 | — | $317 | 0.35% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $252 | — | $252 | 0.28% |
| MARTINA VOLLMAN3 | 2070 W SOUTH AIRPORT RD TRAVERSE CITY, MI 49684 | AFLAC | $214 | — | $214 | 0.24% |
| ANDREW PAUL WOLFE3 | N4895 M67 CHATHAM, MI 49816 | AFLAC | $194 | — | $194 | 0.22% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $184 | — | $184 | 0.21% |
| BRYAN P BURLEY3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $147 | — | $147 | 0.16% |
| JULIE C HOBER3 | 2326 W 4TH AVE SAULT S MARIE, MI 49783 | AFLAC | $142 | — | $142 | 0.16% |
| JEAN PEIFFER3 Filed as: JEAN L PEIFFER | 158 JH LN SKANDIA, MI 49885 | AFLAC | $126 | — | $126 | 0.14% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $125 | — | $125 | 0.14% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $118 | — | $118 | 0.13% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $114 | — | $114 | 0.13% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $107 | — | $107 | 0.12% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $100 | — | $100 | 0.11% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $97 | — | $97 | 0.11% |
| CHRISTINE JULIE STUTZNER3 | 5883 W 6 MILE RD BRIMLEY, MI 49715 | AFLAC | $93 | — | $93 | 0.10% |
| VERA J MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $85 | — | $85 | 0.10% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $84 | — | $84 | 0.09% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $82 | — | $82 | 0.09% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $78 | — | $78 | 0.09% |
| INSURANCE BY BURLEY AGCY INC3 Filed as: INSURANCE BY BURLEY | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $75 | — | $75 | 0.08% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $72 | — | $72 | 0.08% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $72 | — | $72 | 0.08% |
| LYNNE M HARVEY3 | 973 TOWNSEND DR OXFORD, MI 48371 | AFLAC | $67 | — | $67 | 0.07% |
| RICHARD P SOMMERS3 | 861 AUGUSTA DR ROCHESTER, MI 48309 | AFLAC | $64 | — | $64 | 0.07% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $46 | — | $46 | 0.05% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49931 | AFLAC | $45 | — | $45 | 0.05% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $33 | — | $33 | 0.04% |
| GREGORY CRAWFORD3 | PO BOX 1471 MIDLAND, MI 48641 | AFLAC | $23 | — | $23 | 0.03% |
| SCCU SERVICES LLC3 | 536 BINGHAM SAULT S MARIE, MI 49783 | AFLAC | $21 | — | $21 | 0.02% |
| KATHLEEN L HART3 | 500 STRATOCRUISER ST GWINN, MI 49841 | AFLAC | $11 | $4 | $15 | 0.02% |
| JASON L GLICK3 | 7628 GRATION RD RM 101 SAGINAW, MI 48609 | AFLAC | $12 | — | $12 | 0.01% |
| MILTON A SUTTON3 | 6965 S GREEN ST BRIMLEY, MI 49715 | AFLAC | $12 | — | $12 | 0.01% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $10 | — | $10 | 0.01% |
| AMY W SYLVAIN3 | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $9 | — | $9 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $8 | — | $8 | 0.01% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $8 | — | $8 | 0.01% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $7 | — | $7 | 0.01% |
| DANIEL M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $6 | — | $6 | 0.01% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $4 | — | $4 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $4 | — | $4 | 0.00% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 Filed as: MICHIGAN ACCOUNT SERVICE TEAM | 2218 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $4 | — | $4 | 0.00% |
| BRUCE T HARGER3 | 407 CHRISTOPHERS CT WALESKA, GA 30183 | AFLAC | $4 | — | $4 | 0.00% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $4 | — | $4 | 0.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: SCOTT E ROGERS | 2217 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $2 | — | $2 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $2 | — | $2 | 0.00% |
| MARGARET HANCOCK3 | 2 WHITE PINE WAY KINCHELOE, MI 49788 | AFLAC | $5K | $17 | $5K | 6.58% |
| THE HORTON GROUP3 Filed as: MITCH T HORTON | 372 W PARK ST MARQUETTE, MI 49855 | AFLAC | $2K | $97 | $2K | 2.86% |
| DONITA J FLATT3 | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $2K | — | $2K | 2.35% |
| DAVID ANDREW PEPIN3 | 4176 STATE HIGHWAY M35 ESCANABA, MI 49829 | AFLAC | $1K | $37 | $1K | 1.35% |
| JENNIFER LEE WOLFE3 | 318 E STATE HIGHWAY M35 APT 13 GWINN, MI 49841 | AFLAC | $1K | $32 | $1K | 1.30% |
| ANDREW PAUL WOLFE3 | N4895 M67 CHATHAM, MI 49816 | AFLAC | $831 | — | $831 | 1.04% |
| JULIE C HOBER3 | 2326 W 4TH AVE SAULT S MARIE, MI 49783 | AFLAC | $790 | — | $790 | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $282 | — | $282 | 0.35% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $264 | — | $264 | 0.33% |
| MARY E SCHATZ3 | 1102 TONTI MARQUETTE, MI 49855 | AFLAC | $261 | — | $261 | 0.33% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $200 | — | $200 | 0.25% |
| ZOELLNER ENTERPRISES LLC3 | 865 LYNN ST BALDWIN, MI 49304 | AFLAC | $182 | — | $182 | 0.23% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $147 | — | $147 | 0.18% |
| CHRISTINE JULIE STUTZNER3 | 5883 W 6 MILE RD BRIMLEY, MI 49715 | AFLAC | $140 | — | $140 | 0.17% |
| MARTINA VOLLMAN3 | 2070 W SOUTH AIRPORT RD TRAVERSE CITY, MI 49684 | AFLAC | $124 | — | $124 | 0.15% |
| DEREK RAY BLAIS3 | 2469 N TUTTLE RD SCOTTVILLE, MI 49454 | AFLAC | $91 | — | $91 | 0.11% |
| LINDA J HARGER3 | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $80 | — | $80 | 0.10% |
| RICHARD P SOMMERS3 | 861 AUGUSTA DR ROCHESTER, MI 48309 | AFLAC | $77 | — | $77 | 0.10% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $72 | — | $72 | 0.09% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $72 | — | $72 | 0.09% |
| MIELKE INSURANCE INC3 | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $69 | — | $69 | 0.09% |
| C A D AGENCY INC3 | 2385 VALARIE DR ZEELAND, MI 49464 | AFLAC | $64 | — | $64 | 0.08% |
| TENA SUE ROJEM-BENDER3 | 18039 LEWIS SMITH DR FOLEY, AL 36535 | AFLAC | $64 | — | $64 | 0.08% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $61 | — | $61 | 0.08% |
| INSURANCE BY BURLEY AGCY INC3 | PO BOX 428 HARBOR SPRINGS, MI 49740 | AFLAC | $53 | — | $53 | 0.07% |
| ELENA F FRYCZYNSKI3 | 1115 MICHIGAN AVE GLADSTONE, MI 49837 | AFLAC | $49 | — | $49 | 0.06% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $47 | — | $47 | 0.06% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $47 | — | $47 | 0.06% |
| LYNNE M HARVEY3 | 973 TOWNSEND DR OXFORD, MI 48371 | AFLAC | $46 | — | $46 | 0.06% |
| AMY W SYLVAIN3 | 7730 HEDRICK RD HARBOR SPRINGS, MI 49740 | AFLAC | $42 | — | $42 | 0.05% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $38 | — | $38 | 0.05% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTSFIELD, IN 46062 | AFLAC | $38 | — | $38 | 0.05% |
| JAN M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $34 | — | $34 | 0.04% |
| EDWARD C MOYLE3 | 525 FISHER ST APT 3 MARQUETTE, MI 49855 | AFLAC | $26 | — | $26 | 0.03% |
| DANIEL M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $25 | — | $25 | 0.03% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS AGENCY INC | PO BOX 747 MARQUETTE, MI 49855 | AFLAC | $25 | — | $25 | 0.03% |
| PATRICK A BELL3 | 12469 HEBRON MAIL RD CHEBOYGAN, MI 49721 | AFLAC | $22 | — | $22 | 0.03% |
| VERA J MANVILLE-MIEDEMA3 | 6864 MADISON AVE SE GRAND RAPIDS, MI 49548 | AFLAC | $22 | — | $22 | 0.03% |
| RICHARD L AMBLE3 | PO BOX 148 BRIMLEY, MI 49715 | AFLAC | $20 | — | $20 | 0.02% |
| DEBRA J CAPELLO3 | 902 RAZORBACK DR STE 5 HOUGHTON, MI 49331 | AFLAC | $18 | — | $18 | 0.02% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOK RD STE 230 NOVI, MI 48377 | AFLAC | $12 | — | $12 | 0.01% |
| GREGORY CRAWFORD3 | PO BOX 1471 MIDLAND, MI 48641 | AFLAC | $10 | — | $10 | 0.01% |
| BRUCE T HARGER3 | 407 CHRISTOPHERS CT WALESKA, GA 30183 | AFLAC | $9 | — | $9 | 0.01% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $8 | — | $8 | 0.01% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 48615 | AFLAC | $8 | — | $8 | 0.01% |
| TAMIE E KAUFMAN3 | 1101 E HECTOR ST UNIT 461 CONSHOHOCKEN, PA 19428 | AFLAC | $7 | — | $7 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $6 | — | $6 | 0.01% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $4 | — | $4 | 0.00% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $3 | — | $3 | 0.00% |
| JEREMY T WRIGHT3 | 349A W MAIN ST PARK HILLS, MO 63601 | AFLAC | $3 | — | $3 | 0.00% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $3 | — | $3 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT W BRUMMELER3 | PO BOX 457 PETOSKEY, MI 49770 | AFLAC | $2 | — | $2 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $1 | — | $1 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | 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 | 788 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,515 | $236K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 945 | $687K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 945 | $687K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 945 | $687K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,149 | $669K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 945 | $856K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,515 | — |
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.