| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 Filed as: GREGORY BROGAN- BROGAN INSURANCE | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $18K | — | $18K | 1.67% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W. LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $8K | $18K | 4.23% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN-BOR | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $12K | — | $12K | 4.95% |
| STACY DELONGE3 | 2009 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $13K | $494 | $13K | 7.58% |
| DARCI A WERTZ3 | 2655 NARROW LAKE RD CHARLOTTE, MI 48813 | AFLAC | $8K | $228 | $9K | 5.08% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $4K | $100 | $4K | 2.16% |
| SEAN NASTASE3 | 108 RESIDENCES LN UNIT 103 CHARLESTON, SC 29414 | AFLAC | $3K | $232 | $3K | 1.64% |
| KENDI LEE RICHARDSON3 | 6940 MILLS HWY EATON RAPIDS, MI 48827 | AFLAC | $2K | — | $2K | 1.13% |
| MONTANA TOMPKINS3 | 6301 GARDENIA AVE LANSING, MI 48911 | AFLAC | $1K | — | $1K | 0.71% |
| JUDITH I VIDAL3 Filed as: JUDITH D DADD | 3202 ALDEN DR LANSING, MI 48910 | AFLAC | $1K | $158 | $1K | 0.71% |
| GARY DE KETT3 | 950 W. SCOFIELD RD LESLIE, MI 49251 | AFLAC | $788 | — | $788 | 0.46% |
| JAMES H RAIRIGH3 | 958 AVENUE D #B TRAVERSE CITY, MI 49686 | AFLAC | $741 | — | $741 | 0.43% |
| JAMES NORRIS3 | 6789 PLEASANTVIEW ST NE ROCKFORD, MI 49341 | AFLAC | $608 | — | $608 | 0.35% |
| MARTINA VOLLMAN3 | 2070 W. SOUTH AIRPORT RD TRAVERSE CITY, MI 49684 | AFLAC | $386 | — | $386 | 0.22% |
| AMBER DASHKOVITZ3 Filed as: AMBER DAWN DASHKOVITZ | 1901 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $326 | $40 | $366 | 0.21% |
| CASEY D BIERLEIN3 | 3 FRANCONIAN CT FRANKENMUTH, MI 48734 | AFLAC | $270 | — | $270 | 0.16% |
| CHRIS D BOULDREY3 | 448RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $171 | — | $171 | 0.10% |
| AMANDA HENGESBACH3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $149 | — | $149 | 0.09% |
| ART GRITZMAKER3 | 188 E SECOND ST VERMONTVILLE, MI 49096 | AFLAC | $145 | — | $145 | 0.08% |
| GABRIEL G TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $131 | — | $131 | 0.08% |
| SAMANTHA KIBLER3 | 4561 CARSKADDON AVE TOLEDO, OH 43615 | AFLAC | $121 | — | $121 | 0.07% |
| LINDA HILL3 | 840 KING CT EAST LANSING, MI 48823 | AFLAC | $88 | — | $88 | 0.05% |
| PATRICK FULLER3 Filed as: PATRICK L FULLER | 6381 ISLAND LAKE DR EAST LANSING, MI 48823 | AFLAC | $80 | — | $80 | 0.05% |
| BRIAN J DAY3 Filed as: BRIAN S RICHARDSON | 8143 S AIRPORT RD DEWITT, MI 48820 | AFLAC | $77 | — | $77 | 0.04% |
| DJD BENEFITS LLC3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $76 | — | $76 | 0.04% |
| MATTHEW THOMAS NEMODE3 | 815 E MIDLAND ST BAY CITY, MI 48706 | AFLAC | $48 | — | $48 | 0.03% |
| ERIC D TROTOCHAUD3 | 16845 MEADOWBROOK HASLETT, MI 48840 | AFLAC | $43 | — | $43 | 0.03% |
| MIELKE INSURANCE INC3 Filed as: MIELKE INSURANCE INC. | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $40 | — | $40 | 0.02% |
| THOMAS W BOSTON3 Filed as: THOMAS W RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $37 | — | $37 | 0.02% |
| KEVIN S DARKE3 | 7714 ARGONAUT ST SEVERN, MD 21144 | AFLAC | $34 | — | $34 | 0.02% |
| WILLIAM JOHNSON & ASSOC LLC3 | 2922 FULLER AVE NE #202 GRAND RAPIDS, MI 49505 | AFLAC | $31 | — | $31 | 0.02% |
| JOHN TERMEER3 | 2620 WINESAP DR NE GRAND RAPIDS, MI 49525 | AFLAC | $28 | — | $28 | 0.02% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $27 | — | $27 | 0.02% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $26 | — | $26 | 0.02% |
| JACQUELYN A SULLIVAN3 | 34 N HOWELL ST HILLSDALE, MI 49242 | AFLAC | $26 | — | $26 | 0.02% |
| KARIE LYNN HOOTMAN3 | 34 N HOWELL ST HILLSDALE, MI 49242 | AFLAC | $25 | — | $25 | 0.01% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $23 | — | $23 | 0.01% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $21 | — | $21 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $21 | — | $21 | 0.01% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, WI 49615 | AFLAC | $20 | — | $20 | 0.01% |
| ANDREW BROGAN3 Filed as: ANDREW D BROGAN | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | AFLAC | $18 | — | $18 | 0.01% |
| HILARY R EBNER3 | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $17 | — | $17 | 0.01% |
| RACHEL LOUISE JURIK3 | 3017 5 MILE RD TRAVERSE CITY, MI 49686 | AFLAC | $17 | — | $17 | 0.01% |
| JOANNE SHEEHAN3 | 10640 BLACK BEAR TRL HARRISON, MI 48625 | AFLAC | $15 | — | $15 | 0.01% |
| MATTHEW P JOHNSON3 | 1002 W GRAND RIVER AVE WILLIAMSTON, MI 48895 | AFLAC | $15 | — | $15 | 0.01% |
| MICHELE L MILLER3 | 10764 WILSON AVE SW BYRON CENTER, MI 49315 | AFLAC | $14 | — | $14 | 0.01% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $14 | — | $14 | 0.01% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $14 | — | $14 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $12 | — | $12 | 0.01% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $12 | — | $12 | 0.01% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $12 | — | $12 | 0.01% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD #2 EAST LANSING, MI 48823 | AFLAC | $11 | — | $11 | 0.01% |
| JOHN W POMEROY3 | 8625 REDBARK PASS TRAVERSE CITY, MI 49684 | AFLAC | $11 | — | $11 | 0.01% |
| DEBRA HENDRICKSON3 Filed as: DEBRA L HENDRICKSON | 17 RIDGEWOOD DR MONROE, OH 45050 | AFLAC | $11 | — | $11 | 0.01% |
| W E HAHN AFFILIATED SVCS LLC3 | 2922 FULLER AVE NE STE 202 GRAND RAPIDS, MI 49505 | AFLAC | $11 | — | $11 | 0.01% |
| DARCI LEWIS3 Filed as: DARCI LYNN LEWIS | 822 SUNNINGDALE CT WINTER HAVEN, FL 33881 | AFLAC | $10 | — | $10 | 0.01% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $10 | — | $10 | 0.01% |
| SALLY A MILLER3 | 5659 BALKAN CT FORT MYERS, FL 33919 | AFLAC | $9 | — | $9 | 0.01% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $9 | — | $9 | 0.01% |
| JUSTINE KIM GALLOWAY3 | 6060 QUACKENBUSH RD READING, MI 49274 | AFLAC | $8 | — | $8 | 0.00% |
| JAMES BULLOCK3 | 6144 W. LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $6 | — | $6 | 0.00% |
| PATRICIA J MICKELS3 | 5251 N LAKE RD CLARKLAKE, MI 49234 | AFLAC | $6 | — | $6 | 0.00% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 1909 JOSEPH CT WALL TOWNSHIP, NJ 07719 | AFLAC | $6 | — | $6 | 0.00% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $6 | — | $6 | 0.00% |
| MEGHAN M TILTON3 | 6813 CHERRYWOOD DR KINGSLEY, MI 49649 | AFLAC | $6 | — | $6 | 0.00% |
| EDWARD O WALTER III3 | PO BOX 1377 NOVI, MI 48376 | AFLAC | $6 | — | $6 | 0.00% |
| JT PREMIER HOLDINGS LLC3 | 2620 WINESAP DR NE GRAND RAPIDS, MI 49525 | AFLAC | $6 | — | $6 | 0.00% |
| MARK H YOUNG3 | 1890 MAPLE SHADE DR WILLIAMSTON, MI 48895 | AFLAC | $5 | — | $5 | 0.00% |
| JOHN C RASCHELLA3 | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $4 | — | $4 | 0.00% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $4 | — | $4 | 0.00% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $2 | — | $2 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | — | $2 | 0.00% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $2 | — | $2 | 0.00% |
| KENNETH J BEST3 | 8425 PARKRIDGE DR DEXTER, MI 48130 | AFLAC | $1 | — | $1 | 0.00% |
| LARRY E KESSELRING3 | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $1 | — | $1 | 0.00% |
| SHAUN M KLUG3 | 48187 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $1 | — | $1 | 0.00% |
| GREG K BEST3 | 3487 S LINDEN RD STE Z FLINT, MI 48507 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMY KOOI3 | 855 PANORAMA CT APT 203 RICHLAND CENTER, WI 53581 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER M VANPOPERING3 | 1658 140TH AVE DORR, MI 49323 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER JR. | 20817 POINTE REGATTA DR CORNELIUS, NC 28031 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $23K | 16.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Claims processing; Float revenue; Direct payment from the plan; Other fees Service code 12 | — | $1.1M |
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 | 1,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 2,751 | $1.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 2,741 | $248K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,133 | $568K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,133 | $429K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,133 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,751 | — |
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.