| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICOLE DOLPHIN3 | 5314 QUEST DRIVE SW WYOMING, MI 49418 | AFLAC | $3K | $50 | $3K | 4.18% |
| LIGHTHOUSE GROUP3 | 56 CESAR EAST CHAVEZ AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | AFLAC | $2K | — | $2K | 3.32% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGCY | 550 FOREST AVENUE, SUITE 15-2 PLYMOUTH, MI 48170 | AFLAC | $1K | — | $1K | 1.78% |
| WILLIAM JOHNSON & ASSOC LLC3 | 2922 FULLER AVENUE NE, SUITE 202 GRAND RAPIDS, MI 49505 | AFLAC | $808 | $22 | $830 | 1.13% |
| SARAH E MEANY3 | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $552 | — | $552 | 0.75% |
| VANESSA L TORRES3 Filed as: VANESSA TORRES | 5425 MILLS RIDGE DRIVE SW WYOMING, MI 49418 | AFLAC | $540 | — | $540 | 0.74% |
| EL TORRO INC3 | 5425 MILLS RIDGE DRIVE SW WYOMING, MI 49418 | AFLAC | $455 | $9 | $464 | 0.63% |
| LINDSAY PIPER3 | 10918 12TH AVENUE NW GRAND RAPIDS, MI 49534 | AFLAC | $260 | — | $260 | 0.35% |
| MIKE S GAYNOR3 Filed as: MIKE GAYNOR | 8672 SHORE WAY DRIVE SW BYRON CENTER, MI 49315 | AFLAC | $185 | — | $185 | 0.25% |
| MICHAEL RITTER3 Filed as: MICHAEL F RITTER | 550 FOREST AVENUE, SUITE 15-2 PLYMOUTH, MI 48170 | AFLAC | $161 | — | $161 | 0.22% |
| EDWARD O WALTER III3 | PO BOX 1377 NOVI, MI 48376 | AFLAC | $145 | — | $145 | 0.20% |
| EMILY MOORE3 | 615 CHERRY STREET SE GRAND RAPIDS, MI 49503 | AFLAC | $62 | $46 | $108 | 0.15% |
| ROLAND M CONSTANT JR3 | 3047 144TH AVENUE DORR, MI 49323 | AFLAC | $100 | — | $100 | 0.14% |
| JEREMY D SAMPSEL3 | 10438 N 6TH STREET OTSEGO, MI 49078 | AFLAC | $87 | — | $87 | 0.12% |
| GREGORY JOHN ANDERSON3 | PO BOX 9831 WYOMING, MI 49509 | AFLAC | $86 | — | $86 | 0.12% |
| DAVID ERWIN3 Filed as: DAVID O CARLESIMO | 2717 HAWTHORNE DRIVE N UTICA, MI 48316 | AFLAC | $83 | — | $83 | 0.11% |
| ROGERS BENEFIT GROUP INC3 Filed as: SCOTT E ROGERS | 2218 RIVER ROAD, SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $67 | — | $67 | 0.09% |
| THOMAS C MEADE3 | 46175 WINDSOR COURT MACOMBI, MI 48044 | AFLAC | $66 | — | $66 | 0.09% |
| TAMARA J YOUNGS3 | 6737 BLUE HUMMINGBIRD WAY NE BELDING, MI 48809 | AFLAC | $61 | — | $61 | 0.08% |
| BRUCE P VAN ANTWERP3 | 2578 BYRON ROAD HUDSONVILLE, MI 49426 | AFLAC | $59 | — | $59 | 0.08% |
| JEFFREY P POLS3 | 5567 MADISON AVENUE HUDSONVILLE, MI 49426 | AFLAC | $57 | — | $57 | 0.08% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $52 | — | $52 | 0.07% |
| WILLIAM DAVID BARHAM3 | 2039 RAMBLING OAK DRIVE MUSKEGON, MI 49445 | AFLAC | $49 | — | $49 | 0.07% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $48 | — | $48 | 0.07% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 4430 GLENCOE DRIVE WILLIAMSTON, MI 48895 | AFLAC | $45 | — | $45 | 0.06% |
| JORDAN WHITE3 | 4722 AVERY STREET, UNIT 3 DETROIT, MI 48208 | AFLAC | $40 | — | $40 | 0.05% |
| JOHN P RICE3 | 8359 FAIRWOOD DRIVE JENISON, MI 49428 | AFLAC | $31 | — | $31 | 0.04% |
| JEFFREY C WERNER3 | 4430 GLENCOE DRIVE WILLIAMSTON, MI 48895 | AFLAC | $28 | — | $28 | 0.04% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | AFLAC | $27 | — | $27 | 0.04% |
| SUSAN J TAORMINA3 | 28 1ST STREET MOUNT CLEMENS, MI 48043 | AFLAC | $22 | — | $22 | 0.03% |
| ERIN GERKE3 | 8254 WOODHAVEN DRIVE SW BYRON CENTER, MI 49315 | AFLAC | $16 | — | $16 | 0.02% |
| DAVID ERWIN3 Filed as: DAVID O CARLESIMO | 2717 HAWTHORNE DRIVE N SHELBY TWP, MI 48316 | AFLAC | $14 | — | $14 | 0.02% |
| HILARY R EBNER3 | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $14 | — | $14 | 0.02% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DRIVE THE VILLAGES, FL 32162 | AFLAC | $14 | — | $14 | 0.02% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $12 | — | $12 | 0.02% |
| JENNIFER M VANPOPERING3 | 1658 140TH AVENUE DORR, MI 49323 | AFLAC | $10 | — | $10 | 0.01% |
| DAVIS M DE YOUNG3 | 612 136TH AVENUE, APT 4 HOLLAND, MI 49424 | AFLAC | $10 | — | $10 | 0.01% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, WI 49615 | AFLAC | $10 | — | $10 | 0.01% |
| LINDSAY JEAN PABALIS3 | 3205 VALLEY OAKS DRIVE WHITE LAKE, MI 48383 | AFLAC | $9 | — | $9 | 0.01% |
| JONI LYNN VERMEER3 | 1485 10 MILE ROAD NE COMSTOCK PARK, MI 49321 | AFLAC | $9 | — | $9 | 0.01% |
| JEFFREY W XAVER3 | PO BOX 809 LELAND, MI 49654 | AFLAC | $8 | — | $8 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED ROAD BRUCE TWP, MI 48065 | AFLAC | $8 | — | $8 | 0.01% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $7 | — | $7 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES BULLOCK3 | 6144 WEST LONGVIEW DRIVE EAST LANSING, MI 48823 | AFLAC | $6 | — | $6 | 0.01% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DRIVE FLUSHING, MI 48433 | AFLAC | $5 | — | $5 | 0.01% |
| JASON SCZEPANIAK3 | 1161 HERITAGE COURT SUN PRAIRIE, WI 53590 | AFLAC | $5 | — | $5 | 0.01% |
| KENNETH BOWERY3 Filed as: KENNETH J BOWERY | 1979 HOLLAND AVENUE, SUITE B PORT HURON, MI 48060 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES C SNIDER JR3 | 4105 MILLSTREAM ROAD DENVER, NC 28037 | AFLAC | $5 | — | $5 | 0.01% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $3 | — | $3 | 0.00% |
| THOMAS W RINGWALD3 | 37231 NORTH 110TH STREET SCOTTSDALE, AZ 85262 | AFLAC | $3 | — | $3 | 0.00% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DRIVE SEMINOLE, FL 33772 | AFLAC | $2 | — | $2 | 0.00% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $1 | — | $1 | 0.00% |
| JULIE SLAUGHTER3 | 31211 GRANDON STREET LIVONIA, MI 48150 | AFLAC | $1 | — | $1 | 0.00% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 5.01% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $37 | $8K | 15.00% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $74 | — | $74 | 5.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPASS BENEFITS GROUP EIN 37-1700328 INSURANCE BROKER | Other services; Insurance services; Insurance agents and brokers Service code 22 | — | $45K |
| CONSOCIATE HEALTH EIN 37-1351918 TPA | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 12 | — | $43K |
| AIMM - AULT INTL. MEDICAL MGMT. EIN 13-4254735 U/R & PRECERT | Other services; Consulting (general) Service code 16 | — | $28K |
| 6 DEGREES HEALTH EIN 81-4242649 REPRICER / COST CONTAINER | Other services Service code 49 | — | $27K |
| SHARX, LLC EIN 84-3019478 SPECIALTY MED ADVISOR | Other services; Direct payment from the plan Service code 49 | — | $27K |
| OPTUM EIN 46-3328307 ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
| MULTI-PLAN INC EIN 13-3068979 NETWORK RENT - BILL AUDIT | Other services; Accounting (including auditing) Service code 10 | — | $10K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 0 | $64K |
| Vision | EYEMED VISION CARE | 0 | $1K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $50K |
| Other(2 contracts, 2 carriers) | AFLAC | 0 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.