| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGINA JESSUP GOODMAN3 | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | BLUE CARE NETWORK | $60K | $4K | $64K | 1.87% |
| REGINA JESSUP GOODMAN3 | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | $5K | $17K | 4.58% |
| REGINA JESSUP GOODMAN3 | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | DEARBORN LIFE INSURANCE COMPANY | $19K | — | $19K | 13.54% |
| KAREN PICCININI3 Filed as: KAREN SMYK | — | AFLAC | $11K | $530 | $11K | 9.32% |
| PAMELA GRATES | — | AFLAC | $3K | $133 | $3K | 2.31% |
| STEPHEN GRACIN | — | AFLAC | $2K | $110 | $2K | 1.49% |
| RENEE M TRUDEAU Filed as: RENEE TRUDEAU | — | AFLAC | $692 | — | $692 | 0.57% |
| DEANNA KIPPER | — | AFLAC | $559 | $0 | $559 | 0.46% |
| MISCELLANEOUS AGENTS | — | AFLAC | $266 | — | $266 | 0.22% |
| SUSAN MAE DANIEL Filed as: SUSAN TAORMINA | — | AFLAC | $242 | — | $242 | 0.20% |
| CHARLOTTE R SANTA CRUZ Filed as: CHARLOTTE WHEELER | — | AFLAC | $217 | — | $217 | 0.18% |
| PAUL GLOBAL BENEFITS INC Filed as: PAUL MARTINDALE | — | AFLAC | $160 | — | $160 | 0.13% |
| JANNIFER EMERY Filed as: JANNIFER VANDERDONCKT | — | AFLAC | $122 | — | $122 | 0.10% |
| KACY A GRUENKEMEYER Filed as: KACY GRUENKEMEYER | — | AFLAC | $106 | — | $106 | 0.09% |
| DAVID J MCCLELLAN Filed as: DAVID NAGENGAST | — | AFLAC | $102 | — | $102 | 0.08% |
| LISA A PERRI Filed as: LISA TAGESON | — | AFLAC | $92 | — | $92 | 0.08% |
| LYNDA B MACDONALD Filed as: LYNDA MACDONALD | — | AFLAC | $90 | — | $90 | 0.07% |
| JEANNETTE E FATHERREE Filed as: JEANNETTE FOKSINSKI | — | AFLAC | $88 | — | $88 | 0.07% |
| AG AND ASSOCIATES Filed as: AG ASSOCIATES | — | AFLAC | $82 | — | $82 | 0.07% |
| THOMAS FRAZEE | — | AFLAC | $82 | — | $82 | 0.07% |
| GABRIEL TORREZ | — | AFLAC | $75 | — | $75 | 0.06% |
| JENNIFER GRIFFIN | — | AFLAC | $65 | — | $65 | 0.05% |
| DAVID J MCCLELLAN Filed as: DAVID KREMER | — | AFLAC | $46 | — | $46 | 0.04% |
| WILLIS TOWERS WATSON US LLC Filed as: ROSE WILLIS | — | AFLAC | $45 | — | $45 | 0.04% |
| LAYNE FINANCIAL INC Filed as: LAYNE LEEPER | — | AFLAC | $45 | — | $45 | 0.04% |
| SPAZ AND GLAUB ENTERPRISES Filed as: SPAZ AND GLAUB | — | AFLAC | $34 | — | $34 | 0.03% |
| NICHOLAS E VIGIL Filed as: NICHOLAS HAMP | — | AFLAC | $34 | — | $34 | 0.03% |
| ANDREW K GLAUB Filed as: ANDREW GLAUB | — | AFLAC | $34 | — | $34 | 0.03% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES SNIDER | — | AFLAC | $30 | — | $30 | 0.02% |
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 | 754 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK | 754 | $3.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 754 | $374K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 754 | $374K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 490 | $139K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 490 | $260K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 490 | $139K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK | 754 | $3.8M |
| Other | AFLAC | 110 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 754 | — |
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."
No prospect flags tripped on this filing.