| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS H ROEHM3 | 5925 MERIDAN BLVD S300 BRIGHTON, MI 48006 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 2.51% |
| DOUGLAS H ROEHM3 | 5925 MERIDAN BLVD S300 BRIGHTON, MI 48116 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 2.40% |
| DOUGLAS H ROEHM3 | 5925 MERIDAN BLVD S300 BRIGHTON, MI 48116 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 2.33% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BOULEVARD BRIGHTON, MI 48116 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 4.70% |
| ROEHM & ASSOCIATES3 | 139 WALNUT BOULEVARD ROCHESTER, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.43% |
| ROEHM & ASSOCIATES3 | 139 WALNUT BOULEVARD ROCHESTER, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.85% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | VISION SERVICE PLAN | $1K | — | $1K | 5.77% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD STREET SAINT CLAIR SHORES, MI 48080 | AFLAC | $2K | — | $2K | 17.82% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE RD BRUCE TOWNSHIP, MI 48065 | AFLAC | $220 | — | $220 | 2.44% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DRIVE SUITE 202 FENTON, MI 48430 | AFLAC | $196 | — | $196 | 2.18% |
| HILARY R EBNER3 | 31201 CHICAGO ROAD SOUTH SUITE A103 WARREN, MI 48093 | AFLAC | $49 | — | $49 | 0.54% |
| STEVEN PETERSON3 Filed as: STEVEN A PETERSON | 1398 JUDD ROAD SALINE, MI 48176 | AFLAC | $39 | — | $39 | 0.43% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $25 | — | $25 | 0.28% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $20 | — | $20 | 0.22% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $13 | — | $13 | 0.14% |
| KACY A GRUENKEMEYER3 | 5530 WEST PARKWAY SUITE 100 JOHNSTON, IA 50131 | AFLAC | $12 | — | $12 | 0.13% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $3 | — | $3 | 0.03% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $3 | — | $3 | 0.03% |
| JAMES BULLOCK3 | 3715 NORTH POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.02% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.01% |
| THOMAS W RINGWALD3 | 37231 NORTH 110TH STREET SCOTTSDALE, AZ 85262 | AFLAC | $1 | — | $1 | 0.01% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN COURT MILFORD, MI 48380 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES C SNIDER JR3 | 2301 LUCIEN WAY SUITE 150 MAILTLAND, FL 32751 | AFLAC | $1 | — | $1 | 0.01% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD STREET SAINT CLAIR SHORES, MI 48080 | AFLAC | $739 | $62 | $801 | 10.67% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DRIVE SUITE 202 FENTON, MI 48430 | AFLAC | $179 | — | $179 | 2.38% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE RD BRUCE TOWNSHIP, MI 48065 | AFLAC | $91 | $10 | $101 | 1.35% |
| HILARY R EBNER3 | 31201 CHICAGO ROAD SOUTH SUITE A103 WARREN, MI 58093 | AFLAC | $70 | — | $70 | 0.93% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $36 | — | $36 | 0.48% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $30 | — | $30 | 0.40% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DRIVE YPSILANTI, MI 48198 | AFLAC | $26 | — | $26 | 0.35% |
| KACY A GRUENKEMEYER3 | 5530 WEST PARKWAY SUITE 100 JOHNSON, IA 50131 | AFLAC | $15 | — | $15 | 0.20% |
| STEVEN PETERSON3 Filed as: STEVEN A PETERSON | 1398 JUDD ROAD SALINE, MI 48176 | AFLAC | $11 | — | $11 | 0.15% |
| JAMES C SNIDER JR3 | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | AFLAC | $9 | — | $9 | 0.12% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.04% |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.04% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $3 | — | $3 | 0.04% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $3 | — | $3 | 0.04% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $2 | — | $2 | 0.03% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.03% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $1 | — | $1 | 0.01% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $26 | — | $26 | 0.67% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA COURT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $18 | — | $18 | 0.47% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $573 | — | $573 | 18.62% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA COURT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $407 | — | $407 | 13.22% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $22 | — | $22 | 2.78% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH INSURANCE COMPANY | $37 | — | $37 | 5.05% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH INSURANCE COMPANY | $24 | — | $24 | 5.06% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 165 | $1.3M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 339 | $159K |
| Vision | VISION SERVICE PLAN | 86 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $65K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $65K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 165 | $1.3M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.