| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM M. ERNST3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | PRIORITY HEALTH | $52K | $0 | $52K | 3.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $2K | $15K | 9.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.59% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.05% |
| TIM M. ERNST3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | PRIORITY HEALTH INSURANCE COMPANY | $5K | $0 | $5K | 4.00% |
| MJ INSURANCE3 Filed as: ALAN W. BERGMANN AND VARIOUS AGENTS | 461 COKESBURY DRIVE THE VILLAGES, FL 32162 | AFLAC | $1K | $0 | $1K | 3.82% |
| CAROLYN C MILROY3 Filed as: CAROLYN C. MILROY | 45223 LEMONT ROAD CANTON, MI 48187 | AFLAC | $467 | $0 | $467 | 1.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $462 | $0 | $462 | 1.69% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $452 | $0 | $452 | 1.65% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGCY | 550 FOREST AVENUE, SUITE 15-2 PLYMOUTH, MI 48170 | AFLAC | $338 | $0 | $338 | 1.24% |
| GREG A GOULD3 Filed as: GREG A. GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $273 | $0 | $273 | 1.00% |
| MARK A LINSNER3 Filed as: MARK A. LINSNER | 1712 AUSTIN LANE SAINT AUGUSTINE, FL 32092 | AFLAC | $265 | $0 | $265 | 0.97% |
| MJ INSURANCE3 Filed as: STEPHEN A GRACIN AND VARIOUS AGENTS | 625 EAST BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | AFLAC | $849 | $9 | $858 | 3.36% |
| CAROLYN C MILROY3 Filed as: CAROLYN C. MILROY | 45223 LEMONT ROAD CANTON, MI 48187 | AFLAC | $466 | — | $466 | 1.82% |
| GREG A GOULD3 Filed as: GREG A. GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $464 | $0 | $464 | 1.82% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $400 | $0 | $400 | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $350 | $0 | $350 | 1.37% |
| MARK A LINSNER3 Filed as: MARK A. LINSNER | 1712 AUSTIN LANE SAINT AUGUSTINE, FL 32092 | AFLAC | $219 | $0 | $219 | 0.86% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGCY | 550 FOREST AVENUE, SUITE 15-2 PLYMOUTH, MI 48170 | AFLAC | $160 | $0 | $160 | 0.63% |
| SCHILLER & ASSOCIATES LLC4 Filed as: SCHILLER AND ASSOCIATES, LLC | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $419 | $0 | $419 | 8.79% |
| HEATHER PINARD4 | 33526 MELTON STREET WESTLAND, MI 48186 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $286 | $0 | $286 | 6.00% |
| PETRILL AND ASSOCIATES LLC4 Filed as: PETRILL AND ASSOCIATES, LLC | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $62 | $0 | $62 | 1.30% |
| JOHN MANOS4 | 10940 BRISTOL BAY DRIVE, SUITE 407 BRADENTON, FL 34209 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $20 | $0 | $20 | 0.42% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 117 | $1.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $166K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $166K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $166K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $166K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 117 | $1.4M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.