| 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 300 AUBURN HILLS, MI 48326 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 10.49% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.41% |
| SHERRIE HUMPHRY3 Filed as: SHERRIE V HUMPHRY | 2040 N BIRCH LE DR LAKE LEELANAU, MI 49653 | AFLAC | $5K | $117 | $5K | 4.92% |
| KAREN A SMYK3 | 22260 WINSHALL ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $3K | $196 | $4K | 3.63% |
| CARMEN MARIA PARSON3 | 32327 E BRAMPTON ST NEW HAVEN, MI 48048 | AFLAC | $1K | $29 | $1K | 1.36% |
| PAMELA L GRATES3 | 28 1ST ST MOUNT CLEMENS, MI 48043 | AFLAC | $1K | $64 | $1K | 1.19% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $823 | $64 | $887 | 0.89% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON CT CLINTON TOWNSHIP, MI 48035 | AFLAC | $695 | — | $695 | 0.70% |
| KIMBERLEY M MCNULTY3 | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $520 | — | $520 | 0.52% |
| DORIAN J MOORE3 | 1008 LAKEPOINTE ST APT 1 GRPOSSE POINTE PARK, MI 48230 | AFLAC | $228 | — | $228 | 0.23% |
| THOMAS FRAZEE3 Filed as: THOMAS M FRAZEE | 26400 LAHSER ROAD STE 109 SOUTHFIELD, MI 48033 | AFLAC | $193 | — | $193 | 0.19% |
| EDWARD O WALTER III3 | PO BOX 1377 NOVI, MI 48376 | AFLAC | $188 | — | $188 | 0.19% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $187 | — | $187 | 0.19% |
| ROBERT STRYE3 Filed as: ROBERT F STRYE | 20470 PICADILLY RD DETROIT, MI 48221 | AFLAC | $148 | — | $148 | 0.15% |
| JENNIFER GRIFFIN3 Filed as: JENNIFER I GRIFFIN | 32419 HOLDEN DR WARREN, MI 48092 | AFLAC | $114 | — | $114 | 0.11% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $74 | — | $74 | 0.07% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $43 | — | $43 | 0.04% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $34 | — | $34 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED RD BRUCE TWP, MI 48065 | AFLAC | $32 | — | $32 | 0.03% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $31 | — | $31 | 0.03% |
| JAMES BULLOCK3 | 6144 W LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $14 | — | $14 | 0.01% |
| JAMES C SNIDER JR3 | 4105 MILLSTREAM RD DENVER, NC 28037 | AFLAC | $13 | — | $13 | 0.01% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $13 | — | $13 | 0.01% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $9 | — | $9 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $8 | — | $8 | 0.01% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $8 | — | $8 | 0.01% |
| DEANNA KIPPER3 | 39483 HARRISON BAY CT HARRISON TOWNSHIP, MI 48045 | AFLAC | $7 | — | $7 | 0.01% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $5 | — | $5 | 0.01% |
| DIANE MARIE JARBOE3 Filed as: DIANE B SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $3 | — | $3 | 0.00% |
| MELISSA K SWAN3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $3 | — | $3 | 0.00% |
| TERRI L PAINE3 | 424 HUME BLVD LANSING, MI 48917 | AFLAC | $3 | — | $3 | 0.00% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $2 | — | $2 | 0.00% |
| STEPHANIE L KESSELRING3 | 3059 MOUNTAIN LAUREL TRAIL CANTONMENT, FL 32533 | AFLAC | $1 | — | $1 | 0.00% |
| PM GROUP BENEFIT ADVISORS II, LLC3 Filed as: PM GROUP BENEFIT ADVISORS II LLC | 2601 CAMBRIDGE CT SUITE 300 AUBURN HILLS, MI 48326 | VISION SERVICE PLAN | $1K | — | $1K | 5.81% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $86 | — | $86 | 0.50% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $247K |
| Vision | VISION SERVICE PLAN | 143 | $17K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $346K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $346K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $247K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.