| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS TROY, MI 48083 | BLUE CARE NETWORK OF MICHIGAN | $31K | — | $31K | 2.05% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS TROY, MI 48083 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 2.06% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS TROY, MI 48083 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 5.12% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMANY | $3K | — | $3K | 3.00% |
| KAREN PICCININI Filed as: KAREN SMYK | 22260 WINSHALL ST CLAIR SHORES, MI 48081 | AFLAC | $10K | $430 | $11K | 11.19% |
| RENEE M TRUDEAU Filed as: RENEE TRUDEAU | 30078 SCHOENHERR WARREN, MI 48088 | AFLAC | $2K | $89 | $2K | 1.99% |
| DEANNA KIPPER | 39483 HARRSION BAY CT HARRISON TWP, MI 48045 | AFLAC | $1K | — | $1K | 1.07% |
| CHARLOTTE R SANTA CRUZ Filed as: CHARLOTTE WHEELER | 61687 MIRIAM WASHINGTON, MI 48094 | AFLAC | $434 | — | $434 | 0.46% |
| JENNIFER GRIFFIN | 32419 HOLDEN DR WARREN, MI 48092 | AFLAC | $339 | $83 | $422 | 0.45% |
| SUSAN MAE DANIEL Filed as: SUSAN TAORMINO | 28 1ST STREET MOUNT CLEMENS, MI 48043 | AFLAC | $374 | — | $374 | 0.40% |
| KACY A GRUENKEMEYER Filed as: KACY GRUENKEMEYER | 11116 AURORA URBANDALE, IA 50322 | AFLAC | $254 | — | $254 | 0.27% |
| JEANNETTE E FATHERREE Filed as: JEANNETTE STAPLETON | 27735 JEFFERSON AVE ST CLAIR SHORES, MI 48081 | AFLAC | $243 | — | $243 | 0.26% |
| AG AND ASSOCIATES | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $147 | $83 | $230 | 0.24% |
| AG AND ASSOCIATE | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $148 | — | $148 | 0.16% |
| STEPHEN GRACIN | 625 E BIG BEAVER TROY, MI 48083 | AFLAC | $134 | — | $134 | 0.14% |
| THOMAS FRAZZEE | 5318 HIDDEN PINES BRIGHTON, MI 48116 | AFLAC | $123 | — | $123 | 0.13% |
| DARLA STILL Filed as: DARLA SANDULA | 34706 CENTAUR CLINTON TOWNSHIP, MI 48035 | AFLAC | $118 | — | $118 | 0.13% |
| ANDREW SMITH | 2461 W STATE RD OVEIDO, FL 32765 | AFLAC | $109 | — | $109 | 0.12% |
| ANDREW K GLAUB Filed as: ANDREW GLAUB | 2150 ASSOCIATION OKEMOS, MI 48864 | AFLAC | $67 | — | $67 | 0.07% |
| THOMAS DANKO | 51110 SHADOW RIDGE MACOMB, MI 48042 | AFLAC | $61 | — | $61 | 0.06% |
| SPAZ AND GLAUB ENTERPRISES Filed as: SPAZ AND GLAUB | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $59 | — | $59 | 0.06% |
| SHERRIE HUMPHREY | 28 1ST STREET MOUNT CLEMENS, MI 48043 | AFLAC | $54 | — | $54 | 0.06% |
| PAUL MAJEWSKI | 4488 JACKSON RD ANN ARBOR, MI 48103 | AFLAC | $45 | — | $45 | 0.05% |
| MICHAEL RITTER | 580 FOREST AVE PLYMOUTH, MI 48170 | AFLAC | $33 | — | $33 | 0.04% |
| CARMEN MARIA PARSON | 32327 E BRAMPTON NEW HAVEN, MI 48048 | AFLAC | $29 | — | $29 | 0.03% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS TROY, MI 48083 | THE LINCOLN LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN AND VENEGAS INSURANCE AGENC | 2800 LIVERNOIS TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.28% |
| GOODMAN VENEGAS INS AGCY3 | 2800 LIVERNOIS STE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.23% |
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 | 500 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 349 | $2.0M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMANY | 232 | $159K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 500 | $38K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 132 | $111K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.