| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY M ERNST3 Filed as: TIMOTHY ERNST | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $17K | — | $17K | 4.12% |
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.61% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE OF AMERICA | $8K | $1K | $9K | 10.89% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST, 3RD FL BOSTON, MA 01222 | UNUM LIFE INSURANCE OF AMERICA | $2K | — | $2K | 3.00% |
| TIMOTHY M ERNST3 Filed as: TIMOTHY M EARNST | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $2K | — | $2K | 4.00% |
| TIMOTHY M ERNST3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $2K | — | $2K | 4.00% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $1K | — | $1K | 3.65% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $509 | $54 | $563 | 1.71% |
| CAROLYN C MILROY3 | 2105 ARLENE STREET ANN ARBOR, MI 48103 | AFLAC | $477 | — | $477 | 1.45% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGCY | 550 FOREST AVE STE 15-2 PLYMOUTH, MI 48170 | AFLAC | $278 | — | $278 | 0.84% |
| KRAIG M SEXTON3 | 9864 EAST GRAND RIVER AVENUE SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $277 | — | $277 | 0.84% |
| ALAN BERGMANN3 | 284 TWIN PONDS DRIVE OKEMOS, MI 48864 | AFLAC | $209 | $9 | $218 | 0.66% |
| JEANNETTE E FATHERREE3 Filed as: JEANNETTE FOKSINSKI | 27735 JEFFERSON AVENUE SAINT CLAIR SHORES, MI 48081 | AFLAC | $197 | — | $197 | 0.60% |
| MARK A LINSNER3 | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILE, FL 32256 | AFLAC | $171 | — | $171 | 0.52% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $157 | — | $157 | 0.48% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $125 | — | $125 | 0.38% |
| MARK A LINSNER3 Filed as: MARK A LISNER | 10475 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $90 | — | $90 | 0.27% |
| KRISTA L FORYS3 | 3830 VALLEY CENTRE DRIVE SUITE 705 SAN DIEGO, CA 92130 | AFLAC | $55 | — | $55 | 0.17% |
| TILNDA MCDONALD3 | 9691 RUSSELL ST UNIT 101 NORTHVILLE, MI 48167 | AFLAC | $53 | — | $53 | 0.16% |
| ANDREW J LOEWEN3 | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $48 | — | $48 | 0.15% |
| JEANNETTE S STAPLETON3 | 27735 JEFFERSON AVE SAINT CLAIR SHORES, MI 48081 | AFLAC | $47 | — | $47 | 0.14% |
| THOMAS W RINGWALD3 | 2732 SPIRIT ROCK TRAIL RENO, NV 89511 | AFLAC | $40 | — | $40 | 0.12% |
| SHAUNA A BERRY3 | 12555 BIGELOW ROAD DUNDEE, MI 48131 | AFLAC | $32 | — | $32 | 0.10% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $30 | — | $30 | 0.09% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN ROAD TOLEDO, OH 43615 | AFLAC | $20 | — | $20 | 0.06% |
| KRYSTINA EBERHART3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $20 | — | $20 | 0.06% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $19 | — | $19 | 0.06% |
| STRATIGIC FINANCIAL PARTNERS INC3 | 5758 CARY DRIVE YPSILANTI, MI 48197 | AFLAC | $17 | — | $17 | 0.05% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | AFLAC | $13 | — | $13 | 0.04% |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINT BOULEVARD SUITE 400 NOVI, MI 48375 | AFLAC | $13 | — | $13 | 0.04% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $12 | — | $12 | 0.04% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $11 | — | $11 | 0.03% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $10 | — | $10 | 0.03% |
| JEFFREY C WERNER3 | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $10 | — | $10 | 0.03% |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $9 | — | $9 | 0.03% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN COURT MIFORD, MI 48380 | AFLAC | $6 | — | $6 | 0.02% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $6 | — | $6 | 0.02% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DRIVE SUITE 600 OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.02% |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.02% |
| JULIE SLAUGHTER3 | PO BOX 2141 FARMINGTON HILLS, MI 48333 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER JUNIOR | 2461 WEST STATE ROAD 426 SUITE 2061 OVIEDO, FL 32765 | AFLAC | $3 | — | $3 | 0.01% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.01% |
| STEPHANIE L KESSERLING3 | 499 BATH CLUB BLVD N NORTH REDINGTON BEACH, FL 33798 | AFLAC | $2 | — | $2 | 0.01% |
| TIMOTHY M ERNST3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $22K | — | $22K | 100.00% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | VISION SERVICE PLAN | $930 | — | $930 | 5.96% |
| GREG A GOULD3 | 8105 GINKO WAY DEXTER, MI 48130 | AFLAC | $1K | $354 | $2K | — |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $2K | — | $2K | — |
| CAROLYN C MILROY3 | 2105 ARLENE STREET ANN ARBOR, MI 48103 | AFLAC | $606 | — | $606 | — |
| ALAN BERGMANN3 | 284 TWIN PONDS DRIVE OKEMOS, MI 48864 | AFLAC | $251 | $59 | $310 | — |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL EXCHANGE AGCY | 550 FOREST AVE STE 15-2 PLYMOUTH, MI 48170 | AFLAC | $279 | — | $279 | — |
| MARK A LINSNER3 Filed as: MARK A LISNER | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $269 | — | $269 | — |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $132 | — | $132 | — |
| KRAIG SEXTON3 | 9864 E GRAND RIVER AVE STE 100 # 292 BRIGHTON, MI 48116 | AFLAC | $107 | — | $107 | — |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINT BOULEVARD SUITE 400 NOVI, MI 48375 | AFLAC | $100 | — | $100 | — |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON COURT CLINTON TOWNSHIP, MI 48035 | AFLAC | $91 | — | $91 | — |
| ALICIA L ST GERMAINE3 | 38252 MAST STREET HARRISON TOWNSHIP, MI 48045 | AFLAC | $82 | — | $82 | — |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD HILLS, MI 48304 | AFLAC | $77 | — | $77 | — |
| S.I.D. ENTERPRISES LTD3 | PO BOX 210008 AUBURN HILLS, MI 48321 | AFLAC | $71 | — | $71 | — |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $58 | — | $58 | — |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $58 | — | $58 | — |
| S.I.D. ENTERPRISES LTD3 | PO BOX 2811 KALAMAZOO, MI 49003 | AFLAC | $53 | — | $53 | — |
| KRISTA L FORYS3 Filed as: KRISTA FORYS | 9691 RUSSELL ST NORTHVILLE, MI 48167 | AFLAC | $48 | — | $48 | — |
| SHAUNA BERRY3 | 12555 BIGELOW RD DUNDEE, MI 48131 | AFLAC | $42 | — | $42 | — |
| DENNIS BELGER3 | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $36 | — | $36 | — |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $33 | — | $33 | — |
| FREDA VUKOVICH3 | 22740 30 MILE RD RAY TWP, MI 48096 | AFLAC | $32 | — | $32 | — |
| ANDREW J LOEWEN3 Filed as: ANDREW JA LOEWEN | 2040 SAINT ANDREWS DR FINDLEY, OH 45840 | AFLAC | $32 | — | $32 | — |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $31 | — | $31 | — |
| JEANNETTE SUE FOKSINSKI3 | 601 ABBOTT ST DETROIT, MI 48226 | AFLAC | $31 | — | $31 | — |
| MARK GORNO3 | 2946 RIVERSIDE DR TRENTON, MI 48183 | AFLAC | $29 | — | $29 | — |
| DAVID C NAGENGAST3 | 3487 SOUTH LINDEN ROAD SUITE Z FLINT, MI 48507 | AFLAC | $28 | — | $28 | — |
| SHARI ROBINSON POWERS3 | PO BOX 381136 CLINTON TOWNSHIP, MI 48038 | AFLAC | $27 | — | $27 | — |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 718 AUGUSTA DR ROCHESTER HILLS, MI 48309 | AFLAC | $19 | — | $19 | — |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $18 | — | $18 | — |
| JOSEPH A FREDERICKS II3 | 19900 EAST MILE ROAD SUITE 101 SAINT CLAIR SHORES, MI 48080 | AFLAC | $18 | — | $18 | — |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $17 | — | $17 | — |
| ERIC JON MATHER3 | 5543 WINDERMERE DRIVE GRAND BLANC, MI 48439 | AFLAC | $17 | — | $17 | — |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE ROAD BRUCE TOWNSHIP, MI 48065 | AFLAC | $14 | — | $14 | — |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $14 | — | $14 | — |
| DUANE E CORDES3 | P O BOS 455 HILLMAN, MI 49746 | AFLAC | $13 | — | $13 | — |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $11 | — | $11 | — |
| KRYSTINA EBERHART3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $8 | — | $8 | — |
| MYRNA L MURRAY3 | 2114 BOSTON BOULEVARD SUITE 2 LANSING, MI 48910 | AFLAC | $8 | — | $8 | — |
| JEANNETTE S STAPLETON3 | 27735 JEFFERSON AVE SAINT CLAIR SHORES, MI 48081 | AFLAC | $8 | — | $8 | — |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCHOTTSDALE, AZ 85262 | AFLAC | $7 | — | $7 | — |
| JANES SNIDER JR3 | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $6 | — | $6 | — |
| EBERHART & ASSOCIATES INC3 | 11097 PARKIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $6 | — | $6 | — |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $5 | — | $5 | — |
| RHONDA A DRESNER3 Filed as: RHONDA DRESNER | 4 BENNETT ST WOBURN, MA 01801 | AFLAC | $5 | — | $5 | — |
| SPAZ AND GLAUB ENTERPRISES3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $4 | — | $4 | — |
| KATHLEEN DAVIDSON3 | 42435 BLACKSTONE CT SUITE 150 CANTON, MI 48187 | AFLAC | $3 | — | $3 | — |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | — |
| BRIAN KELLY3 Filed as: BRIAN LONG | 40703 ORANGELAWN AVE PLYMOUTH, MI 48170 | AFLAC | $3 | — | $3 | — |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $3 | — | $3 | — |
| KATHLEEN M DAVIDSON3 | 7234 DANBROOKE WEST BLOOMFIELD, MI 48322 | AFLAC | $3 | — | $3 | — |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE L KESSERLRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $3 | — | $3 | — |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN RD TOLEDO, OH 43615 | AFLAC | $2 | — | $2 | — |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN COURT MILFORD, MI 48380 | AFLAC | $2 | — | $2 | — |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $1 | — | $1 | — |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | PRIORITYHEALTH | 141 | $529K |
| Dental | STANDARD INSURANCE COMPANY | 122 | $92K |
| Vision | VISION SERVICE PLAN | 102 | $16K |
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 187 | $83K |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 187 | $83K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 187 | $83K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 187 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
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.