| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ASSOCIATES, INC.3 | P.O. BOX 524 SOUTHFIELD, MI 48037 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 12.86% |
| DAVID FRANKLIN TONKIN3 | 1955 YOSEMITE BLVD APT 29 BIRMINGHAM, MI 48009 | AFLAC | $4K | $427 | $4K | 5.52% |
| DAVID ROTH3 Filed as: DAVID G ZICK | 30600 TELEGRAPH RD SUITE 2375 BINGHAM FARMS, MI 48025 | AFLAC | $2K | — | $2K | 2.44% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $798 | $138 | $936 | 1.30% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $747 | $85 | $832 | 1.15% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $604 | — | $604 | 0.84% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE RD BRUCE TWP, MI 48065 | AFLAC | $404 | $76 | $480 | 0.66% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $329 | — | $329 | 0.46% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $270 | $9 | $279 | 0.39% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2218 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $232 | — | $232 | 0.32% |
| JEANNETTE S STAPLETON3 | 27735 JEFFERSON AVE SAINT CLAIR SHORES, MI 48081 | AFLAC | $87 | — | $87 | 0.12% |
| TODD W TAYLOR3 | 32488 NORFOLK ST LIVONIA, MI 48152 | AFLAC | $66 | — | $66 | 0.09% |
| PAUL MAJEWSKI3 Filed as: PAUL M MAJEWSKI | 483 LITTLE LAKE DRIVE SUITE 100 ANN ARBOR, MI 48103 | AFLAC | $46 | — | $46 | 0.06% |
| GERALD THORP AGENCY LLC3 Filed as: GERALD F THORP II | 1582 RILEY RD CARO, MI 48723 | AFLAC | $16 | $7 | $23 | 0.03% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $9 | $7 | $16 | 0.02% |
| DENNIS SCHREINER3 | 642 GRUBER ST APT B7 FRANKENMUTH, MI 48734 | AFLAC | $13 | — | $13 | 0.02% |
| ELIZABETH BIGGS3 | 1244 WIELAND PL NW GRAND RAPIDS, MI 49504 | AFLAC | $9 | — | $9 | 0.01% |
| URSULA M PIECHOWSKI3 | 929 WASHINGTON ST APT 301 EVANSTON, IL 60202 | AFLAC | $9 | — | $9 | 0.01% |
| H J SAMAAN INC3 | 19W152 21ST PL LOMBARD, IL 60148 | AFLAC | $5 | — | $5 | 0.01% |
| CINDA LUCILE BERGMANN3 | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN H VRATSINAS3 | 1142 W MADISON STE 305 CHICAGO, IL 60607 | AFLAC | $2 | — | $2 | 0.00% |
| ERIN GERKE3 | 834 LAKEVIEW DRIVE LAKE ODESSA, MI 48849 | AFLAC | $1 | — | $1 | 0.00% |
| NICOLE DOLPHIN3 | 2922 FULLER AVE NE STE 202 GRAND RAPIDS, MI 49505 | AFLAC | $1 | — | $1 | 0.00% |
| EOWALTER3 LLC3 | 42906 SENATE PL NOVI, MI 48375 | AFLAC | $1 | — | $1 | 0.00% |
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 | 300 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $88K |
| Short-term disability | AFLAC | 96 | $72K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.