| 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 | $3K | — | $3K | 7.32% |
| GREGORY THOMPSON3 | 118 ELAM DRIVE MCCORMICK, SC 29835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.29% |
| COLLYN REAUME3 | 1287 POTOMAC DR ROCHESTER HILLS, MI 48306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $620 | — | $620 | 1.75% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $514 | $41 | $555 | 1.57% |
| MICHELLE LIVINGSTON3 | 18211 DORSET ST SOUTHFIELD, MI 48075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | — | $279 | 0.79% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $57 | $182 | 0.51% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $27 | $144 | 0.41% |
| KENNETH JAMES BOWERY3 | 18810 WOODS DRIVE W CLINTON TOWNSHIP, MI 48036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.17% |
| RAY SCOTT3 | 5318 INDIAN TRAIL YPSILANTI, MI 48197 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.11% |
| CHARLES ALLEN PINKERTON3 | 2653 CADES COVE BRIGHTON, MI 48114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $3 | $15 | 0.04% |
| JOSEPH P CROTTY3 | PO BOX 3124 DUBLIN, OH 43016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| WADYE T GALLANT3 | 790 RED RUN DRIVE TROY, MI 48085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| NANETTE JENNINGS3 Filed as: NANETTE S JENNINGS | 65145 BIG HILL RD STURGIS, MI 49091 | AFLAC | $2K | $30 | $2K | 10.24% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY MARIE MESSENGER | 41 26TH ST N BATTLE CREEK, MI 49015 | AFLAC | $250 | $6 | $256 | 1.69% |
| MARY M CAMPBELL3 | 9480 W Y AVE SCHOOLCRAFT, MI 49087 | AFLAC | $144 | — | $144 | 0.95% |
| JEREMY D SAMPSEL3 | 3030 S 9TH ST STE 2K KALAMAZOO, MI 49009 | AFLAC | $119 | — | $119 | 0.78% |
| SARAH E MEANY3 | 4000 PORTAGE ST STE 109 KALAMAZOO, MI 49001 | AFLAC | $104 | — | $104 | 0.69% |
| ROBERT L PARSONS3 | 4130 WEST D AVE KALAMAZOO, MI 49009 | AFLAC | $56 | $6 | $62 | 0.41% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 2643 120TH AVE ALLEGAN, MI 49010 | AFLAC | $47 | — | $47 | 0.31% |
| JOHN F GLAUB3 | 54369 30TH ST SOUTH BEND, IN 46635 | AFLAC | $44 | — | $44 | 0.29% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $27 | — | $27 | 0.18% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $20 | — | $20 | 0.13% |
| CASSIE MARIE GOODBAND3 | 4623 ROMENCE RD PORTAGE, MI 49024 | AFLAC | $16 | — | $16 | 0.11% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $15 | — | $15 | 0.10% |
| MONICA MILLER3 | 675 PRESERVE CIRCLE DR SE APT 3 GRAND RAPIDS, MI 49548 | AFLAC | $12 | — | $12 | 0.08% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $11 | — | $11 | 0.07% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PL CASTLE PINES, CO 80108 | AFLAC | $10 | — | $10 | 0.07% |
| TIM WOODARD3 | 53 CHARLES ST HILLSDALE, MI 49242 | AFLAC | $7 | — | $7 | 0.05% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $5 | — | $5 | 0.03% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $5 | — | $5 | 0.03% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $4 | — | $4 | 0.03% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $2 | — | $2 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES C SNIDER JR3 | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $1 | — | $1 | 0.01% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $1 | — | $1 | 0.01% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $1 | — | $1 | 0.01% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | 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 | 142 | $87K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 35 | $51K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.