| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY M ERNST3 | 26255 AMERICAN DR SOUTHFIELD, MI 480346112 | PRIORITY HEALTH | $24K | — | $24K | 4.00% |
| TIMOTHY M ERNST3 | 26255 AMERICAN DR SOUTHFIELD, MI 480346112 | PRIORITY HEALTH | $23K | — | $23K | 4.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD PMB240 NAPLES, FL 341101445 | PRINCIPAL LIFE INSURANCE CO | $4K | $3K | $7K | 7.79% |
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 480346112 | PRINCIPAL LIFE INSURANCE CO | $5K | — | $5K | 5.05% |
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 480346112 | SUN LIFE ASSURANCE CO OF CANADA | $8K | — | $8K | 10.03% |
| TIMOTHY M ERNST3 | 26255 AMERICAN DR SOUTHFIELD, MI 480346112 | PRIORITY HEALTH INSURANCE CO | $2K | — | $2K | 4.00% |
| TIMOTHY M ERNST3 | 26255 AMERICAN DR SOUTHFIELD, MI 480306112 | PRIORITY HEALTH INSURANCE CO | $2K | — | $2K | 4.00% |
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 480346112 | AFLAC | $1K | — | $1K | 3.28% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINKGO WAY DEXTER, MI 48130 | AFLAC | $809 | — | $809 | 2.45% |
| CAROLYN C MILROY3 Filed as: CAROLYN MILROY | 45223 LEMONT RD CANTON, MI 48187 | AFLAC | $459 | — | $459 | 1.39% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGEN | 550 FOREST AVE STE 15-2 PLYMOUTH, MI 48170 | AFLAC | $248 | — | $248 | 0.75% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $217 | — | $217 | 0.66% |
| ALAN BERGMANN3 | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $157 | — | $157 | 0.47% |
| STEPHEN GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48183 | AFLAC | $104 | — | $104 | 0.31% |
| JAN-OLOF BERGE3 | PO BOX 2811 KALAMAZOO, MI 49003 | AFLAC | $70 | — | $70 | 0.21% |
| ANDREW J LOEWEN3 Filed as: ANDREW LOEWEN | 538 BROCKHAMPTON LN WESTERVILLE, OH 43082 | AFLAC | $63 | — | $63 | 0.19% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON CT CLINTON TOWNSHIP, MI 48035 | AFLAC | $62 | — | $62 | 0.19% |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | AFLAC | $58 | — | $58 | 0.18% |
| KRAIG SEXTON3 | 9864 E GRAND RIVER AVE STE 110 292 BRIGHTON, MI 48116 | AFLAC | $56 | — | $56 | 0.17% |
| SANDRA K KURZ3 Filed as: SANDRA KURZ | 6937 KESTREL RIDGE RD BRIGHTON, MI 48116 | AFLAC | $52 | — | $52 | 0.16% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $51 | — | $51 | 0.15% |
| KRISTA L FORYS3 Filed as: KRISTA FORYS | PO BOX 87203 CANTON, MI 48187 | AFLAC | $45 | — | $45 | 0.14% |
| HILARY R EBNER3 Filed as: HILARY EBNER | PO BOX 760431 LATHRYUP VILLAGE, MI 48076 | AFLAC | $38 | — | $38 | 0.11% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $32 | — | $32 | 0.10% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $31 | — | $31 | 0.09% |
| SHAUNA BERRY3 | 6848 SUMMERFIELD RD TEMPERANCE, MI 48182 | AFLAC | $26 | — | $26 | 0.08% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $21 | — | $21 | 0.06% |
| ALICIA L ST GERMAINE3 Filed as: ALICIA ST GERMAINE | 38252 MAST ST HARRISON TOWNSHIP, MI 48045 | AFLAC | $21 | — | $21 | 0.06% |
| ERIC JON MATHER3 Filed as: ERIC MATHER | 5543 WINDERMERE DR GRAND BLANC, MI 48439 | AFLAC | $17 | — | $17 | 0.05% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $16 | — | $16 | 0.05% |
| DILLON ENGLAND3 | 310 MERRIMONT DR MC COMB, OH 45858 | AFLAC | $15 | — | $15 | 0.05% |
| BRIAN DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $12 | — | $12 | 0.04% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $12 | — | $12 | 0.04% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $11 | — | $11 | 0.03% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $10 | — | $10 | 0.03% |
| DENNIS BELGER3 | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $8 | — | $8 | 0.02% |
| SHARI ROBINSON POWERS3 | PO BOX 381136 CLINTON TOWNSHIP, MI 48038 | AFLAC | $7 | — | $7 | 0.02% |
| FREDA VUKOVICH3 | 51213 TIMES SQUARE DR UTICA, MI 48315 | AFLAC | $7 | — | $7 | 0.02% |
| KATHLEEN SHEA3 | 8047 BRIDGESTONE BLVD WHITE LAKE, MI 48386 | AFLAC | $7 | — | $7 | 0.02% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $7 | — | $7 | 0.02% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $6 | — | $6 | 0.02% |
| MARY A THOMAS3 Filed as: MARY THOMAS | 18101 AUSTIN RD MANCHESTER, MI 48158 | AFLAC | $6 | — | $6 | 0.02% |
| RHONDA A DRESNER3 Filed as: RHONDA DRESNER | 4 BENNETT ST WOBURN, MA 01801 | AFLAC | $5 | — | $5 | 0.02% |
| JEANNETTE E FATHERREE3 Filed as: JEANNETTE FOKSINSKI | 601 ABBOTT ST DETROIT, MI 48226 | AFLAC | $4 | — | $4 | 0.01% |
| JOSEPH FREDERICKS II3 | 3140 WALNUT HLS LEONARD, MI 48367 | AFLAC | $4 | — | $4 | 0.01% |
| THOMAS DANKO3 | 71550 ELDRED RD BRUCE TOWNSHIP, MI 48065 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 20817 POINTE REGATTA DR CORNELIUS, NC 28031 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $3 | — | $3 | 0.01% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES BULLOCK3 | 6144 W LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.01% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN RD TOLEDO, OH 43615 | AFLAC | $2 | — | $2 | 0.01% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $1 | — | $1 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE J HALLER3 Filed as: MICHELLE CALVIN | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | — | — | $0 | 0.00% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | — | — | $0 | 0.00% |
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 480346112 | AFLAC | $1K | — | $1K | 3.79% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGEN | 550 FOREST AVE STE 15-2 PLYMOUTH, MI 48170 | AFLAC | $489 | — | $489 | 1.56% |
| CAROLYN C MILROY3 Filed as: CAROLYN MILROY | 45223 LEMONT RD CANTON, MI 48187 | AFLAC | $479 | — | $479 | 1.53% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINKGO WAY DEXTER, MI 48130 | AFLAC | $335 | — | $335 | 1.07% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $275 | — | $275 | 0.88% |
| JEANNETTE E FATHERREE3 Filed as: JEANNETTE FOKSINSKI | 601 ABBOTT ST DETROIT, MI 48226 | AFLAC | $226 | — | $226 | 0.72% |
| ALAN BERGMANN3 | 461 COLESBURY DR THE VILLAGES, FL 32162 | AFLAC | $151 | — | $151 | 0.48% |
| KRAIG SEXTON3 | 9864 E GRAND RIVER AVE STE 110 BRIGHTON, MI 48116 | AFLAC | $139 | — | $139 | 0.44% |
| HILARY R EBNER3 Filed as: HILARY EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $132 | — | $132 | 0.42% |
| STEPHEN GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $123 | — | $123 | 0.39% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $105 | — | $105 | 0.33% |
| JAN-OLOF BERGE3 | PO BOX 2811 KALAMAZOO, MI 49003 | AFLAC | $67 | — | $67 | 0.21% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON CT CLINTON TOWNSHIP, MI 48035 | AFLAC | $59 | — | $59 | 0.19% |
| DJ MCCLUSKEY INC3 | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | AFLAC | $54 | — | $54 | 0.17% |
| TLANDA MCDONALD3 Filed as: TLANDA MC DONALD | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $36 | — | $36 | 0.11% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $35 | — | $35 | 0.11% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $35 | — | $35 | 0.11% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $29 | — | $29 | 0.09% |
| CYNTHIA RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $27 | — | $27 | 0.09% |
| KRISTA L FORYS3 Filed as: KRISTA FORYS | PO BOX 87203 CANTON, MI 48187 | AFLAC | $27 | — | $27 | 0.09% |
| ANDREW J LOEWEN3 Filed as: ANDREW LOEWEN | 538 BROCKHAMPTON LN WESTERVILLE, OH 43082 | AFLAC | $26 | — | $26 | 0.08% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $26 | — | $26 | 0.08% |
| SHAUNA BERRY3 | 6848 SUMMERFIELD RD TEMPERANCE, MI 48182 | AFLAC | $21 | — | $21 | 0.07% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $19 | — | $19 | 0.06% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS INC | 5758 CARY DR YPSILANTI, MI 48197 | AFLAC | $19 | — | $19 | 0.06% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $14 | — | $14 | 0.04% |
| DENNIS STALLBAUM3 Filed as: DENNIS STILLBAUM | 1985 OAKHAVEN RD TOLEDO, OH 43615 | AFLAC | $13 | — | $13 | 0.04% |
| BRIAN DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $12 | — | $12 | 0.04% |
| CHARLES V GLAUB3 Filed as: CHARLES GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $10 | — | $10 | 0.03% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $8 | — | $8 | 0.03% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $7 | — | $7 | 0.02% |
| JAMES BULLOCK3 | 6144 W LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $6 | — | $6 | 0.02% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $6 | — | $6 | 0.02% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $5 | — | $5 | 0.02% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 20817 POINTE REGATTA DR CORNELIUS, NC 28031 | AFLAC | $4 | — | $4 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | 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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | PRIORITY HEALTH | 111 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE CO | 126 | $93K |
| Vision | PRINCIPAL LIFE INSURANCE CO | 126 | $93K |
| Life insurance | SUN LIFE ASSURANCE CO OF CANADA | 183 | $80K |
| Short-term disability | SUN LIFE ASSURANCE CO OF CANADA | 183 | $80K |
| Long-term disability | SUN LIFE ASSURANCE CO OF CANADA | 183 | $80K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE CO OF CANADA | 183 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.