| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $16K | — | $16K | 4.95% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $15K | — | $15K | 4.94% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $11K | — | $11K | 4.95% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $8K | — | $8K | 4.94% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BOULEVARD BRIGHTON, MI 48116 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.73% |
| ROEHM & ASSOCIATES3 | 139 WALNUT BOULEVARD ROCHESTER, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.91% |
| ROEHM & ASSOCIATES3 | 139 WALNUT BOULEVARD ROCHESTER, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | VISION SERVICE PLAN | $934 | — | $934 | 6.39% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DRIVE SUITE 202 FENTON, MI 48430 | AFLAC | $268 | $13 | $281 | 4.00% |
| HILLARY NEWCOMB3 | 31201 CHICAGO ROAD SOUTH SUITE A 103 WARREN, MI 48093 | AFLAC | $107 | — | $107 | 1.52% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $57 | — | $57 | 0.81% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $44 | $3 | $47 | 0.67% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 51110 SHADOW RIDGE DRIVE MACOMB, MI 48042 | AFLAC | $38 | — | $38 | 0.54% |
| STEVEN PETERSON3 Filed as: STEVEN A PETERSON | 1398 JUDD ROAD SALINE, MI 48176 | AFLAC | $27 | — | $27 | 0.38% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD STREET SAINT CLAIR SHORES, MI 48080 | AFLAC | $16 | $5 | $21 | 0.30% |
| KACY A GRUENKEMEYER3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $18 | — | $18 | 0.26% |
| JAMES C SNIDER JR3 | 2461 WEST STATE ROAD 426 SUITE 2061 OVIEDO, FL 32765 | AFLAC | $8 | $4 | $12 | 0.17% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $7 | — | $7 | 0.10% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.03% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DRIVE SUITE 202 FENTON, MI 48430 | AFLAC | $625 | — | $625 | 10.84% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD STREET SAINT CLAIR SHORES, MI 48080 | AFLAC | $358 | — | $358 | 6.21% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 51110 SHADOW RIDGE DRIVE MACOMB, MI 48042 | AFLAC | $122 | — | $122 | 2.12% |
| HILARY R EBNER3 Filed as: HILARY NEWCOMB | 31201 CHICAGO ROAD SOUTH SUITE A 103 WARREN, MI 48093 | AFLAC | $49 | — | $49 | 0.85% |
| STEVEN PETERSON3 Filed as: STEVEN A PETERSON | 1398 JUDD ROAD SALINE, MI 48176 | AFLAC | $39 | — | $39 | 0.68% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $25 | — | $25 | 0.43% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $21 | — | $21 | 0.36% |
| KACY A GRUENKEMEYER3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $13 | — | $13 | 0.23% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $13 | — | $13 | 0.23% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC. | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $455 | — | $455 | 12.62% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W. MCVITTIE JR | 43749 DORISA COURT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $338 | — | $338 | 9.38% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W. MCVITTIE JR | 43749 DORISA COURT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $674 | — | $674 | 21.67% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC. | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $126 | — | $126 | 4.05% |
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 | 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 |
|---|---|---|---|
| Health (medical)(4 contracts) | PRIORITY HEALTH | 83 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 321 | $120K |
| Vision | VISION SERVICE PLAN | 81 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $51K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $51K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.