| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PM GROUP BENEFIT ADVISORS II, LLC3 Filed as: PM GROUP BENEFIT ADVISORS II LLC | 2601 CAMBRIDGE CT SUITE 500 AUBURN HILLS, MI 48326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | — | $28K | 8.75% |
| SHERRIE HUMPHRY3 Filed as: SHERRIE V HUMPHRY | 28 1ST ST MOUNT CLEMENS, MI 48043 | AFLAC | $11K | $588 | $11K | 8.40% |
| CARMEN MARIA PARSON3 | 32327 E BRAMPTON ST NEW HAVEN, MI 48048 | AFLAC | $3K | $139 | $3K | 2.03% |
| KIMBERLEY M MCNULTY3 | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $2K | $287 | $3K | 1.96% |
| EOWALTER3 LLC3 | 42906 SENATE PL NOVI, MI 48375 | AFLAC | $1K | $136 | $2K | 1.20% |
| KAREN A SMYK3 | 22260 WINSHALL ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $2K | $5 | $2K | 1.17% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON CT CLINTON TOWNSHIP, MI 48035 | AFLAC | $1K | $11 | $1K | 0.94% |
| EDWARD O WALTER III3 | PO BOX 1377 GRAND RAPIDS, MI 49501 | AFLAC | $328 | — | $328 | 0.25% |
| DORIAN J MOORE3 | 12319 WHITEHILL ST DETROIT, MI 48224 | AFLAC | $300 | — | $300 | 0.23% |
| KACY A GRUENKEMEYER3 | 543 ALSTON DR CHATTANOOGA, TN 37419 | AFLAC | $261 | — | $261 | 0.20% |
| ROBERT STRYE3 Filed as: ROBERT F STRYE | 20470 PICADILLY RD DETROIT, MI 48221 | AFLAC | $227 | — | $227 | 0.17% |
| THOMAS FRAZEE3 Filed as: THOMAS M FRAZEE | 26400 LAHSER RD STE 109 SOUTHFIELD, MI 48033 | AFLAC | $222 | — | $222 | 0.17% |
| JENNIFER GRIFFIN3 Filed as: JENNIFER I GRIFFIN | 32419 HOLDEN DR WARREN, MI 48092 | AFLAC | $158 | — | $158 | 0.12% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $131 | — | $131 | 0.10% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $98 | — | $98 | 0.07% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED RD BRUCE TWP, MI 48065 | AFLAC | $69 | — | $69 | 0.05% |
| PAMELA L GRATES3 | 28 1ST ST MOUNT CLEMENS, MI 48043 | AFLAC | $62 | — | $62 | 0.05% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $49 | — | $49 | 0.04% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $49 | — | $49 | 0.04% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $36 | — | $36 | 0.03% |
| JOSEPH A GRIMM3 | 19865 MAPLETON DR MACOMB, MI 48044 | AFLAC | $27 | — | $27 | 0.02% |
| JAMES C SNIDER JR3 | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $24 | — | $24 | 0.02% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $20 | — | $20 | 0.02% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $18 | — | $18 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $14 | — | $14 | 0.01% |
| DEANNA KIPPER3 | 39483 HARRISON BAY CT HARRISON TOWNSHIP, MI 48045 | AFLAC | $14 | — | $14 | 0.01% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $13 | — | $13 | 0.01% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $10 | — | $10 | 0.01% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $9 | — | $9 | 0.01% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $4 | — | $4 | 0.00% |
| MELISSA K SWAN3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $4 | — | $4 | 0.00% |
| DIANE MARIE JARBOE3 Filed as: DIANE B SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $3 | — | $3 | 0.00% |
| TERRI L PAINE3 | 424 HUME BLVD LANSING, MI 48917 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $3 | — | $3 | 0.00% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $3 | — | $3 | 0.00% |
| PM GROUP BENEFIT ADVISORS II, LLC3 Filed as: PM GROUP BENEFIT ADVISORS II LLC | 2601 CAMBRIDGE CT SUITE 500 AUBURN HILLS, MI 48326 | VISION SERVICE PLAN | $1K | — | $1K | 5.63% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $324K |
| Vision | VISION SERVICE PLAN | 186 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $456K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $456K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $324K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.