| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN M SMITH3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $20K | — | $20K | 3.26% |
| STEVEN M SMITH3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 3.29% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 6.90% |
| TODD T. COVERT3 | 995 NORTH PONTIAC TRAIL WALLED LAKE, MI 48390 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 1.69% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $2K | — | $2K | 3.89% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $2K | — | $2K | 3.37% |
| JEANNETTE S STAPLETON3 | 27735 JEFFERSON AVENUE SAINT CLAIR SHORES, MI 48081 | AFLAC | $1K | — | $1K | 2.47% |
| KRAIG M SEXTON3 | 9864 EAST GRAND RIVER AVENUE SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $924 | — | $924 | 1.93% |
| CAROLYN C MILROY3 | 2105 ARLENE STREET ANN ARBOR, MI 48103 | AFLAC | $763 | — | $763 | 1.59% |
| ALAN BERGMANN3 | 284 TWIN PONDS DRIVE OKEMOS, MI 48864 | AFLAC | $622 | — | $622 | 1.30% |
| MARK A LINSNER3 | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILE, FL 32256 | AFLAC | $370 | — | $370 | 0.77% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $183 | — | $183 | 0.38% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $172 | — | $172 | 0.36% |
| ALAN BERGMANN3 | 707 PRUDDEN STREET UNIT 101 LANSING, MI 48906 | AFLAC | $144 | — | $144 | 0.30% |
| CYNTHIA M RINGWALD3 | 2732 SPIRIT ROCK TRAIL RENO, NV 89511 | AFLAC | $89 | — | $89 | 0.19% |
| KRISTA L FORYS3 | 3830 VALLEY CENTRE DRIVE SUITE 705 SAN DIEGO, CA 92130 | AFLAC | $85 | — | $85 | 0.18% |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINT BOULEVARD SUITE 400 NOVI, MI 48375 | AFLAC | $78 | — | $78 | 0.16% |
| S.I.D. ENTERPRISES LTD3 | PO BOX 210008 AUBERN HILLS, MI 48035 | AFLAC | $77 | — | $77 | 0.16% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON COURT CLINTON TOWNSHIP, MI 48035 | AFLAC | $69 | — | $69 | 0.14% |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD HILLS, MI 48304 | AFLAC | $57 | — | $57 | 0.12% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $52 | — | $52 | 0.11% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN ROAD TOLEDO, OH 43615 | AFLAC | $45 | — | $45 | 0.09% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $39 | — | $39 | 0.08% |
| THOMAS W RINGWALD3 | 2732 SPIRIT ROCK TRAIL RENO, NV 89511 | AFLAC | $37 | — | $37 | 0.08% |
| SHAUNA A BERRY3 | 12555 BIGELOW ROAD DUNDEE, MI 48131 | AFLAC | $33 | — | $33 | 0.07% |
| THOMAS W RINGWALD3 | 37231 NORTH 110TH STREET SCOTTSDALE, AZ 85262 | AFLAC | $29 | — | $29 | 0.06% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $25 | — | $25 | 0.05% |
| BANYASH & ASSOCIATES INC3 Filed as: BANYASH AND ASSOCIATES INC | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $17 | — | $17 | 0.04% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $15 | — | $15 | 0.03% |
| BANYASH & ASSOCIATES INC3 Filed as: BANYASH AND ASSOCIATES INC | 4811 BEACH BOULEVARD SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $15 | — | $15 | 0.03% |
| STRATIGIC FINANCIAL PARTNERS INC3 | 5758 CARY DRIVE YPSILANTI, MI 48197 | AFLAC | $11 | — | $11 | 0.02% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $10 | — | $10 | 0.02% |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $7 | — | $7 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.01% |
| STRATIGIC FINANCIAL PARTNERS INC3 Filed as: STRATIGIC SOLUTIONS DESIGN INC | 5758 CARY DRIVE YPSILANTI, MI 48197 | AFLAC | $5 | — | $5 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.01% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN COURT MIFORD, MI 48380 | AFLAC | $4 | — | $4 | 0.01% |
| JEFFREY C WERNER3 | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | AFLAC | $3 | — | $3 | 0.01% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES V GLAUB3 | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | AFLAC | $2 | — | $2 | 0.00% |
| JULIE SLAUGHTER3 | PO BOX 2141 FARMINGTON HILLS, MI 48333 | AFLAC | $1 | — | $1 | 0.00% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DRIVE SUITE 600 OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER JUNIOR | 2461 WEST STATE ROAD 426 SUITE 2061 OVIEDO, FL 32765 | AFLAC | $1 | — | $1 | 0.00% |
| STEVEN M SMITH3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 5.01% |
| STEVEN M SMITH3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 2.86% |
| GREG A GOULD3 | 8105 GINKO WAY DEXTER, MI 48130 | AFLAC | $2K | — | $2K | 6.88% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $2K | — | $2K | 4.16% |
| CAROLYN C MILROY3 | 2105 ARLENE STREET ANN ARBOR, MI 48103 | AFLAC | $578 | — | $578 | 1.60% |
| ALAN BERGMANN3 | 284 TWIN PONDS DRIVE OKEMOS, MI 48864 | AFLAC | $450 | $2 | $452 | 1.25% |
| KRAIG M SEXTON3 | 9864 EAST GRAND RIVER AVENUE SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $428 | $11 | $439 | 1.21% |
| MARK A LINSNER3 Filed as: MARK A LISNER | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $257 | — | $257 | 0.71% |
| S.I.D. ENTERPRISES LTD3 | PO BOX 210008 AUBURN HILLS, MI 48321 | AFLAC | $163 | — | $163 | 0.45% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON COURT CLINTON TOWNSHIP, MI 48035 | AFLAC | $145 | — | $145 | 0.40% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $127 | — | $127 | 0.35% |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD HILLS, MI 48304 | AFLAC | $125 | — | $125 | 0.35% |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINT BOULEVARD SUITE 400 NOVI, MI 48375 | AFLAC | $124 | — | $124 | 0.34% |
| ALAN BERGMANN3 | 707 PRUDDEN STREET UNIT 101 LANSING, MI 48906 | AFLAC | $110 | — | $110 | 0.30% |
| KRISTA L FORYS3 | 3830 VALLEY CENTRE DRIVE SUITE 705 SAN DIEGO, CA 92130 | AFLAC | $80 | — | $80 | 0.22% |
| JEANNETTE S STAPLETON3 | 27735 JEFFERSON AVENUE SAINT CLAIR SHORES, MI 48081 | AFLAC | $74 | — | $74 | 0.20% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $73 | — | $73 | 0.20% |
| ALICIA L ST GERMAINE3 | 38252 MAST STREET HARRISON TOWNSHIP, MI 48045 | AFLAC | $65 | — | $65 | 0.18% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $65 | — | $65 | 0.18% |
| SHAUNA A BERRY3 | 12555 BIGELOW ROAD DUNDEE, MI 48131 | AFLAC | $64 | — | $64 | 0.18% |
| MARK GORNO3 Filed as: MARK A GORNO | 2946 RIVERSIDE DRIVE TRENTON, MI 48183 | AFLAC | $43 | — | $43 | 0.12% |
| DAVID C NAGENGAST3 | 3487 SOUTH LINDEN ROAD SUITE Z FLINT, MI 48507 | AFLAC | $42 | — | $42 | 0.12% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $36 | — | $36 | 0.10% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $35 | — | $35 | 0.10% |
| DENNIS FENNELL3 Filed as: DENNIS R BELGER | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $33 | — | $33 | 0.09% |
| FREDA L VUKOVICH3 | 22740 30 MILE ROAD RAY TOWNSHIP, MI 48096 | AFLAC | $29 | — | $29 | 0.08% |
| THOMAS W RINGWALD3 | 2732 SPIRIT ROCK TRAIL RENO, NV 89511 | AFLAC | $20 | $2 | $22 | 0.06% |
| DUANE E CORDES3 | PO BOX 455 HILLMAN, MI 49746 | AFLAC | $20 | — | $20 | 0.06% |
| SHARI LEARISH3 Filed as: SHARI L ROBINSON POWERS | 26200 TOWN CENTER DRIVE SUITE 110 NOVI, MI 48375 | AFLAC | $19 | — | $19 | 0.05% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $16 | — | $16 | 0.04% |
| ERIC JON MATHER3 | 5543 WINDERMERE DRIVE GRAND BLANC, MI 48439 | AFLAC | $15 | — | $15 | 0.04% |
| MYRNA L MURRAY3 | 2114 BOSTON BOULEVARD SUITE 2 LANSING, MI 48910 | AFLAC | $12 | — | $12 | 0.03% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $12 | — | $12 | 0.03% |
| THOMAS W RINGWALD3 | 32731 NORTH 110 STREET SCOTTSDALE, AZ 85262 | AFLAC | $12 | — | $12 | 0.03% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN ROAD TOLEDO, OH 43615 | AFLAC | $11 | — | $11 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE ROAD BRUCE TOWNSHIP, MI 48065 | AFLAC | $10 | — | $10 | 0.03% |
| JOSEPH A FREDERICKS II3 | 19900 EAST MILE ROAD SUITE 101 SAINT CLAIR SHORES, MI 48080 | AFLAC | $9 | — | $9 | 0.02% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $8 | — | $8 | 0.02% |
| JOSEPH A FREDERICKS II3 | 19900 EAST 10 MILE ROAD SAINT CLAIR SHORES, MI 48080 | AFLAC | $7 | — | $7 | 0.02% |
| BANYASH & ASSOCIATES INC3 Filed as: BANYASH AND ASSOCIATES INC | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $7 | — | $7 | 0.02% |
| BANYASH & ASSOCIATES INC3 Filed as: BANYASH AND ASSOCIATES INC | 4811 BEACH BOULEVARD SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $6 | — | $6 | 0.02% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY C WERNER3 | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $2 | — | $2 | 0.01% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN COURT MILFORD, MI 48380 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNITER JUNIOR | 2461 WEST STATE ROAD 426 SUITE 2061 OVIEDO, FL 32765 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| STEVEN M SMITH3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 5.00% |
| STEVEN M SMITH3 | 262555 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $880 | — | $880 | 3.31% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | VISION SERVICE PLAN | $890 | — | $890 | 6.38% |
| STEVEN M SMITH3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $689 | — | $689 | 5.00% |
| STEVEN M SMITH3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $555 | — | $555 | 5.00% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 161 | $1.2M |
| Vision | VISION SERVICE PLAN | 101 | $14K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 203 | $82K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 203 | $82K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 203 | $82K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 203 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.