| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $2K | — | $2K | 4.93% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $2K | — | $2K | 4.94% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $1K | — | $1K | 4.94% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BOULEVARD BRIGHTON, MI 48116 | DELTA DENTAL OF MICHIGAN | $610 | — | $610 | 6.70% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $342 | — | $342 | 4.94% |
| ROEHM & ASSOCIATES3 | 139 WALNUT BOULEVARD ROCHESTER, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $553 | — | $553 | 14.04% |
| ROEHM & ASSOCIATES3 | 139 WALNUT BOULEVARD ROCHESTER, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $384 | — | $384 | 14.99% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | VISION SERVICE PLAN | $100 | — | $100 | 9.96% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DRIVE SUITE 202 FENTON, MI 48430 | AFLAC | $46 | — | $46 | 7.44% |
| HILARY R EBNER3 Filed as: HILARY NEWCOMB | 31201 CHICAGO ROAD SOUTH SUITE A 103 WARREN, MI 48093 | AFLAC | $9 | — | $9 | 1.46% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD STREET SAINT CLAIR SHORES, MI 48080 | AFLAC | $7 | — | $7 | 1.13% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.97% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $5 | — | $5 | 0.81% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 51110 SHADOW RIDGE DRIVE MACOMB, MI 48042 | AFLAC | $3 | — | $3 | 0.49% |
| JAMES C SNIDER JR3 | 2461 WEST STATE ROAD 426 SUITE 2061 OVIEDO, FL 32765 | AFLAC | $3 | — | $3 | 0.49% |
| STEVEN PETERSON3 Filed as: STEVEN A PETERSON | 1398 JUDD ROAD SALINE, MI 48176 | AFLAC | $2 | — | $2 | 0.32% |
| KACY A GRUENKEMEYER3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.16% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.16% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DRIVE SUITE 202 FENTON, MI 48430 | AFLAC | $20 | — | $20 | 6.21% |
| HILARY R EBNER3 Filed as: HILARY NEWCOMB | 31201 CHICAGO ROAD SOUTH SUITE A 103 WARREN, MI 48093 | AFLAC | $4 | — | $4 | 1.24% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 51110 SHADOW RIDGE DRIVE MACOMB, MI 48042 | AFLAC | $4 | — | $4 | 1.24% |
| STEVEN PETERSON3 | 1398 JUDD ROAD SALINE, MI 48176 | AFLAC | $3 | — | $3 | 0.93% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER, LLC | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $2 | — | $2 | 0.62% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.62% |
| KACY A GRUENKEMEYER3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.31% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.31% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA COURT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $111 | — | $111 | 38.68% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $65 | — | $65 | 22.65% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA CT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $60 | — | $60 | 31.41% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48037 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $56 | — | $56 | 29.32% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | PRIORITY HEALTH | 83 | $119K |
| Dental | DELTA DENTAL OF MICHIGAN | 303 | $9K |
| Vision | VISION SERVICE PLAN | 72 | $1K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $4K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $5K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $4K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.