| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 | 244 N ROSE ST KALAMAZOO, MI 49007 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 6.88% |
| GREGORY A. HAGBOM3 Filed as: GREGORY C THOMPSON | 3448 WENDOVER RD TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 8.11% |
| MICHELLE LIVINGSTON3 | 18211 DORSET ST SOUTHFIELD, MI 48075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $408 | — | $408 | 0.70% |
| W F HILL AND ASSOCIATES INC3 | 600 WEST LAFAYETTE DETROIT, MI 48226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $77 | $156 | 0.27% |
| KENNETH JAMES BOWERY3 | 2083 PINECROFT DR CANTON, MI 48188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $2 | $128 | 0.22% |
| WADYE T GALLANT3 | 18151 RAMSGATE LATHRUP VILLAGE, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $10 | $82 | 0.14% |
| RAY SCOTT3 | 5318 INDIAN TRAIL YPSILANTI, MI 48197 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.13% |
| JAMES A SMAARDYK3 Filed as: JAMES M TAYLOR | 1012 SUGARLOAF RESERVE DR DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 89 MONROE CENTER GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MARY LOU TAYLOR3 | 1012 SUGARLOAF RESERVE DR DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NANETTE JENNINGS3 Filed as: NANETTE S JENNINGS | 65145 N BIG HILL RD STURGIS, MI 49091 | AFLAC | $2K | $43 | $2K | 5.48% |
| JEREMY D SAMPSEL3 | 3030 S 9TH ST, SUITE 2K KALAMAZOO, MI 49009 | AFLAC | $326 | — | $326 | 0.97% |
| CASSIE MARIE GOODBAND3 | 4623 ROMENCE RD PORTAGE, MI 49024 | AFLAC | $259 | $9 | $268 | 0.80% |
| MARY M CAMPBELL3 | 9480 WEST Y AVENUE SCHOOLCRAFT, MI 49087 | AFLAC | $184 | — | $184 | 0.55% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 2643 120TH AVENUE ALLEGAN, MI 49010 | AFLAC | $135 | $9 | $144 | 0.43% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $125 | — | $125 | 0.37% |
| JOHN F GLAUB3 | 54369 30TH ST SOUTH BEND, IN 46635 | AFLAC | $94 | — | $94 | 0.28% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PL CASTLE PINES, CO 80108 | AFLAC | $75 | — | $75 | 0.22% |
| ROBERT L PARSONS3 | 4130 W D AVE KALAMAZOO, MI 49009 | AFLAC | $69 | — | $69 | 0.21% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $51 | — | $51 | 0.15% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $48 | — | $48 | 0.14% |
| TIM WOODARD3 | 614 CEDAR CT JONESVILLE, MI 49250 | AFLAC | $45 | — | $45 | 0.13% |
| HITTLER ENTERPRISES INC3 | 301 ERIE STONE RD HUNTINGTON, IN 46750 | AFLAC | $27 | — | $27 | 0.08% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $26 | — | $26 | 0.08% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $21 | — | $21 | 0.06% |
| JENNIFER A SUMMEY3 | 200 S JEFFERSON ST #1 STURGIS, MI 49091 | AFLAC | $21 | — | $21 | 0.06% |
| ROY M BERGEY3 | 103 JOHNSTON ST, SUITE A GOSHEN, IN 46528 | AFLAC | $17 | — | $17 | 0.05% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $17 | — | $17 | 0.05% |
| MARK A WOJDA3 | 631 GREENFORD TRAIL W CARMEL, IN 46032 | AFLAC | $11 | — | $11 | 0.03% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $11 | — | $11 | 0.03% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $9 | — | $9 | 0.03% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $8 | — | $8 | 0.02% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $7 | — | $7 | 0.02% |
| JAMES C SNIDER JR3 | 2301 LUCIEN WAY, SUITE 150 MAITLAND, FL 32751 | AFLAC | $6 | — | $6 | 0.02% |
| LORI MINYARD3 Filed as: LORI E MINYARD | 9247 N MERIDIAN ST, SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $5 | — | $5 | 0.01% |
| JUSTIN E FINTON3 | 220 INSURANCE DR, SUITE A FORT WAYNE, IN 46825 | AFLAC | $5 | — | $5 | 0.01% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $2 | — | $2 | 0.01% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $2 | — | $2 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $1 | — | $1 | 0.00% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $1 | — | $1 | 0.00% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE CT PLAINFIELD, IN 46168 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $1 | — | $1 | 0.00% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | 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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $196K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $196K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $163K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.