| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY M ERNST3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $20K | — | $20K | 4.02% |
| TIMOTHY M ERNST3 Filed as: TIMOTHY M EARNST | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $20K | — | $20K | 4.02% |
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD, PMB 240 NAPLES, FL 341101445 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.12% |
| MEADOWBROOKK INC3 | 16142 COLLECTION CTR DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE OF AMERICA | $8K | $668 | $9K | 10.35% |
| TIMOTHY M ERNST3 Filed as: TIMOTHY ERNST | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $2K | — | $2K | 4.02% |
| TIMOTHY M ERNST3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | PRIORITYHEALTH | $2K | — | $2K | 4.01% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $1K | — | $1K | 3.29% |
| GREG A GOULD3 | 8105 GINKO WAY DEXTER, MI 48130 | AFLAC | $863 | — | $863 | 2.31% |
| CAROLYN C MILROY3 | 2105 ARLENE STREET ANN ARBOR, MI 48103 | AFLAC | $511 | — | $511 | 1.37% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL EXCHANGE AGCY | 550 FOREST AVE STE 15-2 PLYMOUTH, MI 48170 | AFLAC | $329 | — | $329 | 0.88% |
| MARK A LINSNER3 Filed as: MARK A LISNER | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $236 | — | $236 | 0.63% |
| ALAN BERGMANN3 | 284 TWIN PONDS DRIVE OKEMOS, MI 48864 | AFLAC | $172 | — | $172 | 0.46% |
| ANDREW J LOEWEN3 Filed as: ANDREW JA LOEWEN | 2040 SAINT ANDREWS DR FINDLEY, OH 45840 | AFLAC | $114 | $35 | $149 | 0.40% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $115 | — | $115 | 0.31% |
| ALICIA L ST GERMAINE3 | 38252 MAST STREET HARRISON TOWNSHIP, MI 48045 | AFLAC | $86 | — | $86 | 0.23% |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD HILLS, MI 48304 | AFLAC | $68 | — | $68 | 0.18% |
| S.I.D. ENTERPRISES LTD3 | PO BOX 210008 AUBURN HILLS, MI 48321 | AFLAC | $68 | — | $68 | 0.18% |
| KRAIG SEXTON3 | 9864 E GRAND RIVER AVE STE 100 # 292 BRIGHTON, MI 48116 | AFLAC | $67 | — | $67 | 0.18% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON COURT CLINTON TOWNSHIP, MI 48035 | AFLAC | $60 | — | $60 | 0.16% |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINT BOULEVARD SUITE 400 NOVI, MI 48375 | AFLAC | $59 | — | $59 | 0.16% |
| KRISTA L FORYS3 Filed as: KRISTA FORYS | PO BOX 87203 CANTON, MI 48187 | AFLAC | $55 | — | $55 | 0.15% |
| SANDRA K KURZ3 | 6937 KESTREL RIDGE RD BRIGHTON, MI 48116 | AFLAC | $52 | — | $52 | 0.14% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $40 | — | $40 | 0.11% |
| SHAUNA BERRY3 | 8512 KEITHA DR LAMBERTVILLE, MI 48144 | AFLAC | $36 | — | $36 | 0.10% |
| DENNIS BELGER3 | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $36 | — | $36 | 0.10% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $32 | — | $32 | 0.09% |
| FREDA VUKOVICH3 | 22740 30 MILE RD RAY TWP, MI 48096 | AFLAC | $32 | — | $32 | 0.09% |
| SHARI ROBINSON POWERS3 | PO BOX 381136 CLINTON TOWNSHIP, MI 48038 | AFLAC | $29 | — | $29 | 0.08% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $26 | — | $26 | 0.07% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $25 | — | $25 | 0.07% |
| JEANNETTE SUE FOKSINSKI3 | 601 ABBOTT ST DETROIT, MI 48226 | AFLAC | $18 | — | $18 | 0.05% |
| JOSEPH A FREDERICKS II3 | 19900 EAST MILE ROAD SUITE 101 SAINT CLAIR SHORES, MI 48080 | AFLAC | $18 | — | $18 | 0.05% |
| ERIC JON MATHER3 | 5543 WINDERMERE DRIVE GRAND BLANC, MI 48439 | AFLAC | $17 | — | $17 | 0.05% |
| DILLON ENGLAND3 | 310 MERRIMONT DR MCCOMB, OH 45858 | AFLAC | $15 | — | $15 | 0.04% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $15 | — | $15 | 0.04% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE ROAD BRUCE TOWNSHIP, MI 48065 | AFLAC | $15 | — | $15 | 0.04% |
| HEATHER M. JANSON3 Filed as: HEATHER JANSON DELANO | 4299 EUCALYPTUS WAY PINCKNEY, MI 48169 | AFLAC | $15 | — | $15 | 0.04% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $14 | — | $14 | 0.04% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $11 | — | $11 | 0.03% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $11 | — | $11 | 0.03% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $8 | — | $8 | 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% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCHOTTSDALE, AZ 85262 | AFLAC | $6 | — | $6 | 0.02% |
| MARY A THOMAS3 Filed as: MARY THOMAS | 2676 E MICHIGAN AVE CLINTON, MI 49236 | AFLAC | $6 | — | $6 | 0.02% |
| RHONDA A DRESNER3 Filed as: RHONDA DRESNER | 4 BENNETT ST WOBURN, MA 01801 | AFLAC | $5 | — | $5 | 0.01% |
| JANES SNIDER JR3 | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $4 | — | $4 | 0.01% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $4 | — | $4 | 0.01% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $3 | — | $3 | 0.01% |
| BRIAN KELLY3 Filed as: BRIAN LONG | 40703 ORANGELAWN AVE PLYMOUTH, MI 48170 | AFLAC | $2 | — | $2 | 0.01% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE L KESSERLRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.01% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN RD TOLEDO, OH 43615 | AFLAC | $2 | — | $2 | 0.01% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $1 | — | $1 | 0.00% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | AFLAC | $769 | — | $769 | 2.52% |
| CAROLYN C MILROY3 | 2105 ARLENE STREET ANN ARBOR, MI 48103 | AFLAC | $465 | — | $465 | 1.52% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $348 | — | $348 | 1.14% |
| MARK A LINSNER3 | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILE, FL 32256 | AFLAC | $266 | — | $266 | 0.87% |
| JEANNETTE E FATHERREE3 Filed as: JEANNETTE FOKSINSKI | 27735 JEFFERSON AVENUE SAINT CLAIR SHORES, MI 48081 | AFLAC | $232 | — | $232 | 0.76% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGCY | 550 FOREST AVE STE 15-2 PLYMOUTH, MI 48170 | AFLAC | $162 | — | $162 | 0.53% |
| ALAN BERGMANN3 | 284 TWIN PONDS DRIVE OKEMOS, MI 48864 | AFLAC | $158 | — | $158 | 0.52% |
| KRAIG M SEXTON3 | 9864 EAST GRAND RIVER AVENUE SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $146 | — | $146 | 0.48% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $120 | — | $120 | 0.39% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $103 | — | $103 | 0.34% |
| S.I.D. ENTERPRISES LTD3 | PO BOX 2811 KALAMAZOO, MI 49003 | AFLAC | $73 | — | $73 | 0.24% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON CT CLINTON TOWNSHIP, MI 48035 | AFLAC | $64 | — | $64 | 0.21% |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | AFLAC | $58 | — | $58 | 0.19% |
| ANDREW J LOEWEN3 | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $51 | — | $51 | 0.17% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $38 | — | $38 | 0.12% |
| TILNDA MCDONALD3 | 9691 RUSSELL ST UNIT 101 NORTHVILLE, MI 48167 | AFLAC | $36 | — | $36 | 0.12% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $35 | — | $35 | 0.11% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $32 | — | $32 | 0.10% |
| KRISTA L FORYS3 | 3830 VALLEY CENTRE DRIVE SUITE 705 SAN DIEGO, CA 92130 | AFLAC | $28 | — | $28 | 0.09% |
| CYNTHIA M RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 46315 | AFLAC | $27 | — | $27 | 0.09% |
| THOMAS W RINGWALD3 | 2732 SPIRIT ROCK TRAIL RENO, NV 89511 | AFLAC | $26 | — | $26 | 0.09% |
| SHAUNA BERRY3 | 8512 KEITHA DR LABERTVILLE, MI 48144 | AFLAC | $21 | — | $21 | 0.07% |
| 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 | $19 | — | $19 | 0.06% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN RD TOLEDO, OH 43615 | AFLAC | $13 | — | $13 | 0.04% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | AFLAC | $13 | — | $13 | 0.04% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $12 | — | $12 | 0.04% |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $10 | — | $10 | 0.03% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $9 | — | $9 | 0.03% |
| JEFFREY C WERNER3 | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $7 | — | $7 | 0.02% |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.02% |
| STEPHANIE L KESSERLING3 | 499 BATH CLUB BLVD N NORTH REDINGTON BEACH, FL 33798 | AFLAC | $6 | — | $6 | 0.02% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DRIVE SUITE 600 OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 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 | $2 | — | $2 | 0.01% |
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 | 172 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | PRIORITYHEALTH | 116 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $95K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $95K |
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 166 | $84K |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 166 | $84K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 166 | $84K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 166 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.