| 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 | $25K | — | $25K | 2.13% |
| 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 | $19K | 3.81% |
| STACY DELONGE3 | 2009 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $36K | $1K | $38K | 9.89% |
| DARCI A WERTZ3 | 2655 NARROW LAKE RD CHARLOTTE, MI 48813 | AFLAC | $14K | $610 | $15K | 3.90% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $8K | $492 | $9K | 2.29% |
| SEAN NASTASE3 | 108 RESIDENCES LN UNIT 103 CHARLESTON, SC 29414 | AFLAC | $6K | $394 | $7K | 1.75% |
| KENDI LEE RICHARDSON3 | 6940 MILLS HWY EATON RAPIDS, MI 48827 | AFLAC | $2K | $48 | $2K | 0.59% |
| JUDITH I VIDAL3 Filed as: JUDITH D DADD | 3202 ALDEN DR LANSING, MI 48910 | AFLAC | $2K | $158 | $2K | 0.47% |
| MONTANA TOMPKINS3 | 6301 GARDENIA AVE LANSING, MI 48911 | AFLAC | $2K | $97 | $2K | 0.43% |
| JAMES H RAIRIGH3 | 958 AVENUE D #B TRAVERSE CITY, MI 49686 | AFLAC | $1K | — | $1K | 0.36% |
| DREW LILLIE3 | 3863 FARNSWORTH DR LANSING, MI 48906 | AFLAC | $1K | — | $1K | 0.27% |
| GARY DE KETT3 | 950 W. SCOFIELD RD LESLIE, MI 49251 | AFLAC | $927 | $23 | $950 | 0.25% |
| AMBER DASHKOVITZ3 Filed as: AMBER DAWN DASHKOVITZ | 1901 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $881 | $40 | $921 | 0.24% |
| JAMES NORRIS3 | 6789 PLEASANTVIEW ST NE ROCKFORD, MI 49341 | AFLAC | $690 | $15 | $705 | 0.19% |
| MARTINA AREND3 | 1756 HAMMER RD KINGSLEY, MI 49649 | AFLAC | $497 | $27 | $524 | 0.14% |
| CASEY D BIERLEIN3 | 3 FRANCONIAN CT FRANKENMUTH, MI 48734 | AFLAC | $509 | — | $509 | 0.13% |
| CHRIS D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $314 | — | $314 | 0.08% |
| AMANDA HENGESBACH3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $285 | — | $285 | 0.07% |
| ART GRITZMAKER3 | 188 E SECOND ST VERMONTVILLE, MI 49096 | AFLAC | $249 | — | $249 | 0.07% |
| SAMANTHA KIBLER3 | 4561 CARSKADDON AVE TOLEDO, OH 43615 | AFLAC | $232 | — | $232 | 0.06% |
| CASEY PUCKETT3 | 1099 PEACHTREE CT MOUNT PLEASANT, MI 48858 | AFLAC | $213 | — | $213 | 0.06% |
| LINDA HILL3 | 840 KING CT EAST LANSING, MI 48823 | AFLAC | $168 | — | $168 | 0.04% |
| PATRICK FULLER3 Filed as: PATRICK L FULLER | 6381 ISLAND LAKE DR EAST LANSING, MI 48823 | AFLAC | $151 | — | $151 | 0.04% |
| DJD BENEFITS LLC3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $147 | — | $147 | 0.04% |
| GABRIEL G TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $144 | — | $144 | 0.04% |
| BRIAN J DAY3 Filed as: BRIAN S RICHARDSON | 8143 S AIRPORT RD DEWITT, MI 48820 | AFLAC | $138 | — | $138 | 0.04% |
| MIELKE INSURANCE INC3 Filed as: MIELKE INSURANCE INC. | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $92 | — | $92 | 0.02% |
| MATTHEW THOMAS NEMODE3 | 815 E MIDLAND ST BAY CITY, MI 48706 | AFLAC | $66 | $6 | $72 | 0.02% |
| ERIC D TROTOCHAUD3 | 16845 MEADOWBROOK HASLETT, MI 48840 | AFLAC | $72 | — | $72 | 0.02% |
| THOMAS W BOSTON3 Filed as: THOMAS W RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $70 | — | $70 | 0.02% |
| WILLIAM JOHNSON & ASSOC LLC3 | 2922 FULLER AVE NE #202 GRAND RAPIDS, MI 49505 | AFLAC | $44 | $10 | $54 | 0.01% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $51 | — | $51 | 0.01% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $51 | — | $51 | 0.01% |
| JACQUELYN A SULLIVAN3 | 34 N HOWELL ST HILLSDALE, MI 49242 | AFLAC | $50 | — | $50 | 0.01% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $43 | — | $43 | 0.01% |
| KARIE LYNN HOOTMAN3 | 34 N HOWELL ST HILLSDALE, MI 49242 | AFLAC | $41 | — | $41 | 0.01% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $40 | — | $40 | 0.01% |
| RACHEL LOUISE JURIK3 | 3017 5 MILE RD TRAVERSE CITY, MI 49686 | AFLAC | $39 | — | $39 | 0.01% |
| JT PREMIER HOLDINGS LLC3 | 2620 WINESAP DR NE GRAND RAPIDS, MI 49525 | AFLAC | $29 | $10 | $39 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $38 | — | $38 | 0.01% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, WI 49615 | AFLAC | $38 | — | $38 | 0.01% |
| ANDREW BROGAN3 Filed as: ANDREW D BROGAN | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | AFLAC | $35 | — | $35 | 0.01% |
| KEVIN S DARKE3 | 7714 ARGONAUT ST SEVERN, MD 21144 | AFLAC | $34 | — | $34 | 0.01% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $32 | — | $32 | 0.01% |
| MATTHEW P JOHNSON3 | 1002 W GRAND RIVER AVE WILLIAMSTON, MI 48895 | AFLAC | $30 | — | $30 | 0.01% |
| JOHN TERMEER3 | 2620 WINESAP DR NE GRAND RAPIDS, MI 49525 | AFLAC | $28 | — | $28 | 0.01% |
| JOANNE SHEEHAN3 | 10640 BLACK BEAR TRL HARRISON, MI 48625 | AFLAC | $28 | — | $28 | 0.01% |
| MICHELE L MILLER3 | 10764 WILSON AVE SW BYRON CENTER, MI 49315 | AFLAC | $27 | — | $27 | 0.01% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $26 | — | $26 | 0.01% |
| TARYN DUNN3 | 936 S CEDAR ST MASON, MI 48854 | AFLAC | $25 | — | $25 | 0.01% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $23 | — | $23 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $22 | — | $22 | 0.01% |
| JOHN W POMEROY3 | 8625 REDBARK PASS TRAVERSE CITY, MI 49684 | AFLAC | $22 | — | $22 | 0.01% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $21 | — | $21 | 0.01% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD #2 EAST LANSING, MI 48823 | AFLAC | $21 | — | $21 | 0.01% |
| DEBRA HENDRICKSON3 Filed as: DEBRA L HENDRICKSON | 17 RIDGEWOOD DR MONROE, OH 45050 | AFLAC | $21 | — | $21 | 0.01% |
| W E HAHN AFFILIATED SVCS LLC3 | 2922 FULLER AVE NE STE 202 GRAND RAPIDS, MI 49505 | AFLAC | $20 | — | $20 | 0.01% |
| HILARY R EBNER3 | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $19 | — | $19 | 0.00% |
| DARCI LEWIS3 Filed as: DARCI LYNN LEWIS | 822 SUNNINGDALE CT WINTER HAVEN, FL 33881 | AFLAC | $19 | — | $19 | 0.00% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $19 | — | $19 | 0.00% |
| HALEY D MIKINKA3 | 111 E KILBORN ST B LANSING, MI 48906 | AFLAC | $18 | — | $18 | 0.00% |
| SALLY A MILLER3 | 506 BLOSSOM CT FORT MYERS, FL 33917 | AFLAC | $17 | — | $17 | 0.00% |
| CONNIE RUPERT3 Filed as: CONNIE M RUPERT | 518 N EVANS ST TECUMSEH, MI 49286 | AFLAC | $16 | — | $16 | 0.00% |
| JUSTINE KIM GALLOWAY3 | 6060 QUACKENBUSH RD READING, MI 49274 | AFLAC | $15 | — | $15 | 0.00% |
| PATRICIA J MICKELS3 | 5251 N LAKE RD CLARKLAKE, MI 49234 | AFLAC | $12 | — | $12 | 0.00% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 1909 JOSEPH CT WALL TOWNSHIP, NJ 07719 | AFLAC | $12 | — | $12 | 0.00% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $11 | — | $11 | 0.00% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $11 | — | $11 | 0.00% |
| MEGHAN M TILTON3 | 6813 CHERRYWOOD DR KINGSLEY, MI 49649 | AFLAC | $11 | — | $11 | 0.00% |
| EDWARD O WALTER III3 | PO BOX 1377 NOVI, MI 48376 | AFLAC | $11 | — | $11 | 0.00% |
| JOHN C RASCHELLA3 | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $7 | — | $7 | 0.00% |
| JAMES BULLOCK3 | 6144 W. LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $6 | — | $6 | 0.00% |
| MARK H YOUNG3 | 1890 MAPLE SHADE DR WILLIAMSTON, MI 48895 | AFLAC | $6 | — | $6 | 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 | $4 | — | $4 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $4 | — | $4 | 0.00% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $2 | — | $2 | 0.00% |
| JEREMY KOOI3 | 855 PANORAMA CT APT 203 RICHLAND CENTER, WI 53581 | AFLAC | $2 | — | $2 | 0.00% |
| JENNIFER M VANPOPERING3 | 1658 140TH AVE DORR, MI 49323 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER JR. | 20817 POINTE REGATTA DR CORNELIUS, NC 28031 | 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% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $1 | — | $1 | 0.00% |
| WESLEY A SMITH3 | 8522 CURLEY TRL SE CALEDONIA, MI 49316 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN-BOR | 320 WEST LAKE LANSING, SUITE 2 EAST LANSING, MI 48823 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $7K | — | $7K | 2.54% |
| 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 | $7K | — | $7K | 2.40% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $25K | 16.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Claims processing; Contract Administrator; Direct payment from the plan; Float revenue; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.4M |
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 | 1,279 | 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) | 1,279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 3,128 | $1.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 3,129 | $292K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,307 | $652K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,307 | $505K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,307 | $885K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,129 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.