| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD, STE 3800 BINGHAM FARMS, MI 48025 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $47K | — | $47K | 2.12% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 Filed as: HEALTH ALLIANCE ADMINISTRATORS, INC | 39500 HIGH POINTE BLVD, STE 400 NOVI, MI 48375 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $27 | — | $27 | 0.00% |
| DAVID ROTH3 Filed as: DAVID G ZICK | 30800 TELEGRAPH RD STE 3800 BINGHAM FARMS, MI 48025 | AFLAC | $12K | — | $12K | 13.83% |
| DAVID FRANKLIN TONKIN3 | 2118 SHELLEY DR TROY, MI 48130 | AFLAC | $10K | $4 | $10K | 11.57% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $3K | — | $3K | 3.82% |
| ALAN BERGMANN3 | 284 TWIN PONDS DR OKEMOS, MI 48864 | AFLAC | $2K | — | $2K | 2.05% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $2K | — | $2K | 1.86% |
| JEANNETTE S STAPLETON3 | 27735 JEFFERSON AVE SAINT CLAIR SHORES, MI 48081 | AFLAC | $1K | — | $1K | 1.66% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE RD BRUCE TWP, MI 48065 | AFLAC | $1K | — | $1K | 1.62% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2220 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $1K | — | $1K | 1.19% |
| TODD W TAYLOR3 | 32488 NORFOLK ST LIVONIA, MI 48152 | AFLAC | $825 | — | $825 | 0.98% |
| URSULA M PIECHOWSKI3 | 929 WASHINGTON ST APT 301 EVANSTON, IL 60202 | AFLAC | $580 | — | $580 | 0.69% |
| PAUL MAJEWSKI3 Filed as: PAUL M MAJEWSKI | 4488 JACKSON RD STE 1 ANN ARBOR, MI 48103 | AFLAC | $454 | — | $454 | 0.54% |
| ALAN BERGMANN3 | 707 PRUDDEN ST UNIT 101 LANSING, MI 48906 | AFLAC | $292 | — | $292 | 0.35% |
| CINDA L KOSLOSKI3 | 707 PRUDDEN ST UNIT 101 LANSING, MI 48906 | AFLAC | $272 | — | $272 | 0.32% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2220 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $144 | — | $144 | 0.17% |
| H J SAMAAN INC3 | 19W152 21ST PL LOMBARD, IL 60148 | AFLAC | $135 | — | $135 | 0.16% |
| JOHN H VRATSINAS3 | 1142 W MADISON STE 305 CHICAGO, IL 60607 | AFLAC | $88 | — | $88 | 0.10% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $50 | — | $50 | 0.06% |
| GROUP ASSOCIATES, INC.3 Filed as: GROUP ASSOCIATES DBA MAESTRO HEALTH | 30800 TELEGRAPH RD, STE 3800 BINGHAM FARMS, MI 48025 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 3.56% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD, STE 3800 BINGHAM FARMS, MI 480254545 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 12.96% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 567 | $2.3M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 5 | $79K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 305 | $76K |
| Short-term disability | AFLAC | 144 | $85K |
| Prescription drug(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 567 | $2.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 305 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.