| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN M SMITH3 Filed as: STEVEN SMITH | 26255 AMERICAN DRIVE SOUTHFIELD, MI 480346112 | BLUE CARE NETWORK OF MICHIGAN | $20K | — | $20K | 3.42% |
| STEVEN M SMITH3 Filed as: STEVEN SMITH | 26255 AMERICAN DRIVE SOUTHFIELD, MI 480346112 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 3.30% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $1K | $5K | 10.11% |
| TODD T. COVERT3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 2.21% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER STE 110 292 BRIGHTON, MI 48116 | AFLAC | $3K | $299 | $3K | 6.54% |
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | AFLAC | $2K | — | $2K | 4.40% |
| ALAN BERGMANN3 | 284 TWIN PONDS DR OKEMOS, MI 48864 | AFLAC | $793 | $68 | $861 | 1.89% |
| CAROLYN C MILROY3 | 2105 ARLENE ST ANN ARBOR, MI 48103 | AFLAC | $859 | — | $859 | 1.88% |
| JEANNETTE S STAPLETON3 | 27735 JEFFERSON AVE SAINT CLAIR SHORES, MI 48081 | AFLAC | $637 | $13 | $650 | 1.43% |
| CYNTHIA M RINGWALD3 Filed as: CYNTHIA M. RINGWALD | 2732 SPIRIT ROCK TRL RENO, NV 89511 | AFLAC | $432 | — | $432 | 0.95% |
| MARK A LINSNER3 Filed as: MARK A. LINSNER | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $418 | — | $418 | 0.92% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $222 | — | $222 | 0.49% |
| KRISTA L FORYS3 | 3616 INGRAHAM ST SAN DIEGO, CA 92109 | AFLAC | $136 | $79 | $215 | 0.47% |
| THOMAS W RINGWALD3 | 2732 SPIRIT ROCK TRL RENO, NV 89511 | AFLAC | $204 | — | $204 | 0.45% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER STE 103 TROY, MI 48083 | AFLAC | $196 | — | $196 | 0.43% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $108 | $79 | $187 | 0.41% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $84 | $16 | $100 | 0.22% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN RD TOLEDO, OH 43615 | AFLAC | $78 | $16 | $94 | 0.21% |
| S.I.D. ENTERPRISES LTD3 | PO BOX 210008 AUBURN HILLS, MI 48321 | AFLAC | $89 | — | $89 | 0.20% |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | AFLAC | $88 | — | $88 | 0.19% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON CT CLINTON TOWNSHIP, MI 48035 | AFLAC | $79 | — | $79 | 0.17% |
| DAVID J MCCLELLAN3 Filed as: DAVID WHITFIELD | 29193 NORTHWESTERN HWY SUITE 546 SOUTHFIELD, MI 48034 | AFLAC | $66 | — | $66 | 0.14% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $48 | — | $48 | 0.11% |
| HEIDI E GLAUB3 | 5458 PARKSIDE DR BRIGHTON, MI 48114 | AFLAC | $39 | $5 | $44 | 0.10% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $36 | — | $36 | 0.08% |
| BANYASH & ASSOCIATES INC3 | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $35 | — | $35 | 0.08% |
| SHAUNA A BERRY3 | 12555 BIGELOW RD DUNDEE, MI 48131 | AFLAC | $31 | — | $31 | 0.07% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $20 | $4 | $24 | 0.05% |
| TRACEY KEISER3 | 400 S PERALTA HILLS DR ANAHEIM, CA 92807 | AFLAC | $20 | — | $20 | 0.04% |
| WILLIAM ALLEN3 | 13231 IRVINE BLVD OAK PARK, MI 48237 | AFLAC | $20 | — | $20 | 0.04% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $17 | — | $17 | 0.04% |
| PATRICK K LOVE3 | 4456 1ST ST WAYNE, MI 48184 | AFLAC | $14 | — | $14 | 0.03% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.01% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER AVE STE 110 292 BRIGHTON, MI 48116 | AFLAC | $2K | $127 | $2K | 4.86% |
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | AFLAC | $1K | — | $1K | 3.36% |
| CAROLYN C MILROY3 | 2105 ARLENE ST ANN ARBOR, MI 48103 | AFLAC | $678 | — | $678 | 1.93% |
| JEANNETTE S STAPLETON3 | 27735 JEFFERSON AVE SAINT CLAIR SHORES, MI 48081 | AFLAC | $438 | $29 | $467 | 1.33% |
| ALAN BERGMANN3 | 284 TWIN PONDS DR OKEMOS, MI 48864 | AFLAC | $400 | $27 | $427 | 1.22% |
| MARK A LINSNER3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $301 | — | $301 | 0.86% |
| S.I.D. ENTERPRISES LTD3 Filed as: S.I.D ENTERPRISES LTD | PO BOX 210008 AUBURN HILLS, MI 48321 | AFLAC | $180 | — | $180 | 0.51% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $178 | — | $178 | 0.51% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON CT CLINTON TOWNSHIP, MI 48035 | AFLAC | $159 | — | $159 | 0.45% |
| KRISTA L FORYS3 | 3616 INGRAHAM ST SAN DIEGO, CA 92109 | AFLAC | $131 | $26 | $157 | 0.45% |
| THOMAS W RINGWALD3 | 2732 SPIRIT ROCK TRL RENO, NV 89511 | AFLAC | $156 | — | $156 | 0.44% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $149 | — | $149 | 0.42% |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | AFLAC | $142 | — | $142 | 0.40% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $90 | $25 | $115 | 0.33% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $106 | $5 | $111 | 0.32% |
| SHAUNA A BERRY3 | 12555 BIGELOW RD DUNDEE, MI 48131 | AFLAC | $89 | — | $89 | 0.25% |
| HEIDI E GLAUB3 | 5458 PARKSIDE DR BRIGHTON, MI 48114 | AFLAC | $80 | — | $80 | 0.23% |
| ALICIA L ST GERMAINE3 | 38252 MAST ST HARRISON TOWNSHIP, MI 48045 | AFLAC | $64 | — | $64 | 0.18% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $52 | — | $52 | 0.15% |
| MARK GORNO3 Filed as: MARK A GORNO | 2946 RIVERSIDE DR TRENTON, MI 48183 | AFLAC | $43 | — | $43 | 0.12% |
| DAVID C NAGENGAST3 | 3487 S LINDEN RD STE Z FLINT, MI 48507 | AFLAC | $42 | — | $42 | 0.12% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $39 | — | $39 | 0.11% |
| DENNIS FENNELL3 Filed as: DENNIS R BELGER | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $32 | — | $32 | 0.09% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $23 | $7 | $30 | 0.09% |
| FREDA L VUKOVICH3 | 22740 30 MILE ROAD RAY TWP, MI 48096 | AFLAC | $29 | — | $29 | 0.08% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN RD TOLEDO, OH 43615 | AFLAC | $16 | $5 | $21 | 0.06% |
| DUANE E CORDES3 | PO BOX 455 HILLMAN, MI 49746 | AFLAC | $20 | — | $20 | 0.06% |
| SHARI LEARISH3 Filed as: SHARI L ROBINSON POWERS | 31201 CHICAGO ROAD S STE A-103 WARREN, MI 48093 | AFLAC | $19 | — | $19 | 0.05% |
| ERIC JON MATHER3 | 5543 WINDERMERE DR GRAND BLANC, MI 48439 | AFLAC | $18 | — | $18 | 0.05% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $17 | — | $17 | 0.05% |
| JOSEPH A FREDERICKS II3 | 19900 E 10 MILE RD SAINT CLAIR SHORES, MI 48080 | AFLAC | $16 | — | $16 | 0.05% |
| BANYASH & ASSOCIATES INC3 | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $14 | — | $14 | 0.04% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $12 | — | $12 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 51110 SHADOW RIDGE DR MACOMB, MI 48042 | AFLAC | $10 | — | $10 | 0.03% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $7 | — | $7 | 0.02% |
| SPAZ AND GLAUB ENTERPRISES3 Filed as: SPAZ & GLAUB ENTERPRISES | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.02% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC ATTN RENEE LAWHEAD | 26255 AMERICAN DR SOUTHFIELD, MI 480346112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 16.90% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DR SOUTHFIELD, MI 480346112 | VISION SERVICE PLAN | $783 | — | $783 | 7.16% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC ATTN RENEE LAWHEAD | 26255 AMERICAN DR SOUTHFIELD, MI 480346112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $601 | $2K | 22.24% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC ATTN RENEE LAWHEAD | 26255 AMERICAN DR SOUTHFIELD, MI 480346112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $463 | $207 | $670 | 21.70% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 284 | $1.3M |
| Vision | VISION SERVICE PLAN | 97 | $11K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 197 | $55K |
| Short-term disability(4 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 197 | $147K |
| Long-term disability(4 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 197 | $140K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 284 | $1.2M |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 197 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.