| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ASSOCIATES, INC.3 Filed as: GROUP ASSOCIATES INC | 30800 TELEGRAPH RD STE 3800 BINGHAM FARMS, MI 48025 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $83K | $83K | 3.36% |
| DAVID FRANKLIN TONKIN3 | 2046 DORCHESTER DR N TROY, MI 48084 | AFLAC | $7K | $142 | $7K | 7.58% |
| DAVID ROTH3 Filed as: DAVID G ZICK | 30800 TELEGRAPH RD STE 3800 BINGHAM FARMS, MI 48025 | AFLAC | $6K | — | $6K | 5.87% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $2K | $43 | $2K | 2.13% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $1K | $10 | $1K | 1.31% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE RD BRUCE TWP, MI 48065 | AFLAC | $1K | $28 | $1K | 1.14% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $896 | $16 | $912 | 0.94% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $476 | $7 | $483 | 0.50% |
| KRISTINE LINN ZANDER3 | 3009 WHEELER RD BAY CITY, MI 48706 | AFLAC | $393 | — | $393 | 0.41% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2220 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $315 | — | $315 | 0.32% |
| JEANNETTE S STAPLETON3 | 27735 JEFFERSON AVE SAINT CLAIR SHORES, MI 48081 | AFLAC | $160 | — | $160 | 0.16% |
| ELIZABETH BIGGS3 | 1244 WIELAND PL NW GRAND RAPIDS, MI 49504 | AFLAC | $154 | — | $154 | 0.16% |
| TODD W TAYLOR3 | 32488 NORFOLK ST LIVONIA, MI 48152 | AFLAC | $125 | — | $125 | 0.13% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $114 | — | $114 | 0.12% |
| CINDA L KOSLOSKI3 | 2831 KISTLER RD BATTLE CREEK, MI 49014 | AFLAC | $1 | $84 | $85 | 0.09% |
| PAUL MAJEWSKI3 Filed as: PAUL M MAJEWSKI | 4488 JACKSON RD STE 1 ANN ARBOR, MI 48103 | AFLAC | $83 | — | $83 | 0.09% |
| GERALD THORP AGENCY LLC3 Filed as: GERALD F THORP II | 1582 RILEY RD CARO, MI 48723 | AFLAC | $47 | — | $47 | 0.05% |
| URSULA M PIECHOWSKI3 | 929 WASHINGTON ST APT 301 EVANSTON, IL 60202 | AFLAC | $34 | $6 | $40 | 0.04% |
| DENNIS SCHREINER3 | 642 GRUBER ST APT B7 FRANKENMUTH, MI 48734 | AFLAC | $31 | — | $31 | 0.03% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $30 | — | $30 | 0.03% |
| ERIN GERKE3 | 834 LAKEVIEW DRIVE LAKE ODESSA, MI 48849 | AFLAC | $22 | — | $22 | 0.02% |
| H J SAMAAN INC3 | 19W152 21ST PL LOMBARD, IL 60148 | AFLAC | $18 | $1 | $19 | 0.02% |
| NICOLE DOLPHIN3 | 2922 FULLER AVE NE STE 202 GRAND RAPIDS, MI 49505 | AFLAC | $15 | — | $15 | 0.02% |
| EOWALTER3 LLC3 | PO BOX 150199 GRAND RAPIDS, MI 49515 | AFLAC | $14 | — | $14 | 0.01% |
| JOHN H VRATSINAS3 | 1142 W MADISON STE 305 CHICAGO, IL 60607 | AFLAC | $9 | $1 | $10 | 0.01% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD, STE 3800 BINGHAM FARMS, MI 480254545 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 12.83% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 597 | $2.5M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 308 | $96K |
| Short-term disability | AFLAC | 115 | $97K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 597 | $2.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 308 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.