| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY M ERNST3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $22K | — | $22K | 4.36% |
| TIMOTHY M ERNST3 Filed as: TIMOTHY M EARNST | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $18K | — | $18K | 4.00% |
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.53% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE OF AMERICA | $9K | $716 | $10K | 10.09% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST, 3RD FL BOSTON, MA 01222 | UNUM LIFE INSURANCE OF AMERICA | -$2K | — | -$2K | -1.95% |
| TIMOTHY M ERNST3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $2K | — | $2K | 4.02% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $2K | — | $2K | 5.66% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL EXCHANGE AGCY | 550 FOREST AVE STE 15-2 PLYMOUTH, MI 48170 | AFLAC | $1K | — | $1K | 2.78% |
| GREG A GOULD3 | 8105 GINKO WAY DEXTER, MI 48130 | AFLAC | $911 | $9 | $920 | 2.19% |
| CAROLYN C MILROY3 | 2105 ARLENE STREET ANN ARBOR, MI 48103 | AFLAC | $640 | — | $640 | 1.52% |
| ANDREW J LOEWEN3 Filed as: ANDREW JA LOEWEN | 2040 SAINT ANDREWS DR FINDLEY, OH 45840 | AFLAC | $404 | $9 | $413 | 0.98% |
| MARK A LINSNER3 Filed as: MARK A LISNER | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $278 | — | $278 | 0.66% |
| ALAN BERGMANN3 | 284 TWIN PONDS DRIVE OKEMOS, MI 48864 | AFLAC | $185 | — | $185 | 0.44% |
| SANDRA K KURZ3 | 6937 KESTREL RIDGE RD BRIGHTON, MI 48116 | AFLAC | $134 | $14 | $148 | 0.35% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $132 | — | $132 | 0.31% |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD HILLS, MI 48304 | AFLAC | $89 | — | $89 | 0.21% |
| ALICIA L ST GERMAINE3 | 38252 MAST STREET HARRISON TOWNSHIP, MI 48045 | AFLAC | $86 | — | $86 | 0.20% |
| KRAIG SEXTON3 | 9864 E GRAND RIVER AVE STE 100 # 292 BRIGHTON, MI 48116 | AFLAC | $82 | — | $82 | 0.19% |
| S.I.D. ENTERPRISES LTD3 | PO BOX 210008 AUBURN HILLS, MI 48321 | AFLAC | $70 | — | $70 | 0.17% |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINT BOULEVARD SUITE 400 NOVI, MI 48375 | AFLAC | $68 | — | $68 | 0.16% |
| KRISTA L FORYS3 Filed as: KRISTA FORYS | 9691 RUSSELL ST NORTHVILLE, MI 48167 | AFLAC | $66 | — | $66 | 0.16% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON COURT CLINTON TOWNSHIP, MI 48035 | AFLAC | $62 | — | $62 | 0.15% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $50 | — | $50 | 0.12% |
| SHAUNA BERRY3 | 12555 BIGELOW RD DUNDEE, MI 48131 | AFLAC | $47 | — | $47 | 0.11% |
| DENNIS BELGER3 | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $36 | — | $36 | 0.09% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $34 | — | $34 | 0.08% |
| DILLON ENGLAND3 | 310 MERRIMONT DR MC COMB, OH 45858 | AFLAC | $31 | $3 | $34 | 0.08% |
| FREDA VUKOVICH3 | 22740 30 MILE RD RAY TWP, MI 48096 | AFLAC | $32 | — | $32 | 0.08% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $31 | — | $31 | 0.07% |
| JEANNETTE SUE FOKSINSKI3 | 601 ABBOTT ST DETROIT, MI 48226 | AFLAC | $31 | — | $31 | 0.07% |
| SHARI ROBINSON POWERS3 | PO BOX 381136 CLINTON TOWNSHIP, MI 48038 | AFLAC | $29 | — | $29 | 0.07% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $28 | — | $28 | 0.07% |
| JOSEPH A FREDERICKS II3 | 19900 EAST MILE ROAD SUITE 101 SAINT CLAIR SHORES, MI 48080 | AFLAC | $18 | — | $18 | 0.04% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $17 | — | $17 | 0.04% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $17 | — | $17 | 0.04% |
| ERIC JON MATHER3 | 5543 WINDERMERE DRIVE GRAND BLANC, MI 48439 | AFLAC | $17 | — | $17 | 0.04% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE ROAD BRUCE TOWNSHIP, MI 48065 | AFLAC | $15 | — | $15 | 0.04% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $14 | — | $14 | 0.03% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $13 | — | $13 | 0.03% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $11 | — | $11 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCHOTTSDALE, AZ 85262 | AFLAC | $7 | — | $7 | 0.02% |
| SPAZ AND GLAUB ENTERPRISES3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $7 | — | $7 | 0.02% |
| KATHLEEN DAVIDSON3 | 42435 BLACKSTONE CT SUITE 150 CANTON, MI 48187 | AFLAC | $7 | — | $7 | 0.02% |
| JANES SNIDER JR3 | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $5 | — | $5 | 0.01% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $5 | — | $5 | 0.01% |
| RHONDA A DRESNER3 Filed as: RHONDA DRESNER | 4 BENNETT ST WOBURN, MA 01801 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN KELLY3 Filed as: BRIAN LONG | 40703 ORANGELAWN AVE PLYMOUTH, MI 48170 | AFLAC | $3 | — | $3 | 0.01% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $3 | — | $3 | 0.01% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE L KESSERLRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.00% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN RD TOLEDO, OH 43615 | AFLAC | $2 | — | $2 | 0.00% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $1 | — | $1 | 0.00% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $2K | — | $2K | 4.73% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGCY | 550 FOREST AVE STE 15-2 PLYMOUTH, MI 48170 | AFLAC | $901 | — | $901 | 2.28% |
| CAROLYN C MILROY3 | 2105 ARLENE STREET ANN ARBOR, MI 48103 | AFLAC | $529 | — | $529 | 1.34% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $498 | $9 | $507 | 1.29% |
| MARK A LINSNER3 | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILE, FL 32256 | AFLAC | $303 | — | $303 | 0.77% |
| ANDREW J LOEWEN3 | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $274 | $9 | $283 | 0.72% |
| JEANNETTE E FATHERREE3 Filed as: JEANNETTE FOKSINSKI | 27735 JEFFERSON AVENUE SAINT CLAIR SHORES, MI 48081 | AFLAC | $280 | — | $280 | 0.71% |
| ALAN BERGMANN3 | 284 TWIN PONDS DRIVE OKEMOS, MI 48864 | AFLAC | $213 | — | $213 | 0.54% |
| KRAIG M SEXTON3 | 9864 EAST GRAND RIVER AVENUE SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $189 | — | $189 | 0.48% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $165 | — | $165 | 0.42% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $144 | — | $144 | 0.37% |
| S.I.D. ENTERPRISES LTD3 | PO BOX 2811 KALAMAZOO, MI 49003 | AFLAC | $79 | — | $79 | 0.20% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON CT CLINTON TOWNSHIP, MI 48035 | AFLAC | $70 | — | $70 | 0.18% |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | AFLAC | $63 | — | $63 | 0.16% |
| TILNDA MCDONALD3 | 9691 RUSSELL ST UNIT 101 NORTHVILLE, MI 48167 | AFLAC | $41 | — | $41 | 0.10% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $41 | — | $41 | 0.10% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $40 | — | $40 | 0.10% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $38 | — | $38 | 0.10% |
| KRISTA L FORYS3 | 3830 VALLEY CENTRE DRIVE SUITE 705 SAN DIEGO, CA 92130 | AFLAC | $35 | — | $35 | 0.09% |
| THOMAS W RINGWALD3 | 2732 SPIRIT ROCK TRAIL RENO, NV 89511 | AFLAC | $29 | — | $29 | 0.07% |
| SHAUNA A BERRY3 | 12555 BIGELOW ROAD DUNDEE, MI 48131 | AFLAC | $24 | — | $24 | 0.06% |
| CYNTHIA M RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 46315 | AFLAC | $23 | — | $23 | 0.06% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $23 | — | $23 | 0.06% |
| STRATIGIC FINANCIAL PARTNERS INC3 | 5758 CARY DRIVE YPSILANTI, MI 48197 | AFLAC | $21 | — | $21 | 0.05% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN RD TOLEDO, OH 43615 | AFLAC | $19 | — | $19 | 0.05% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | AFLAC | $16 | — | $16 | 0.04% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $12 | — | $12 | 0.03% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $11 | — | $11 | 0.03% |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $11 | — | $11 | 0.03% |
| JEFFREY C WERNER3 | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $9 | — | $9 | 0.02% |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $7 | — | $7 | 0.02% |
| STEPHANIE L KESSERLING3 | 499 BATH CLUB BLVD N NORTH REDINGTON BEACH, FL 33798 | AFLAC | $7 | — | $7 | 0.02% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DRIVE SUITE 600 OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER JUNIOR | 2461 WEST STATE ROAD 426 SUITE 2061 OVIEDO, FL 32765 | AFLAC | $4 | — | $4 | 0.01% |
| JULIE SLAUGHTER3 | PO BOX 2141 FARMINGTON HILLS, MI 48333 | AFLAC | $3 | — | $3 | 0.01% |
| TIMOTHY M ERNST3 Filed as: TIMOTHY ERNST | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $1K | — | $1K | 4.36% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | VISION SERVICE PLAN | $978 | — | $978 | 5.94% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | PRIORITYHEALTH | 128 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 132 | $100K |
| Vision | VISION SERVICE PLAN | 116 | $16K |
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 206 | $95K |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 206 | $95K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 206 | $95K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 206 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.