| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS H ROEHM3 Filed as: DOUGLAS ROEHM | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | HEALTHPLUS INSURANCE COMPANY | $51K | — | $51K | 2.89% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BOULEVARD SUITE 300 BRIGHTON, MI 48116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $6K | $22K | 12.08% |
| MARLENE T GREEN3 | 3875 CEDAR LOOP CLARKSTON, MI 48348 | AFLAC | $979 | $20 | $999 | 5.55% |
| SCOTT B KOHLMANN3 | 4350 WEBSTER ROAD FLUSHING, MI 48433 | AFLAC | $215 | $4 | $219 | 1.22% |
| MARILYN C HOLYOKE3 | 4187 MARIANNE DRIVE FLUSHING, MI 48433 | AFLAC | $186 | — | $186 | 1.03% |
| DONNA RE TAACK3 | 12305 SOUTH MERRILL ROAD BRANT, MI 48614 | AFLAC | $171 | — | $171 | 0.95% |
| DAVID C NAGENGAST3 | 3487 SOUTH LINDEN ROAD SUITE Z FLINT, MI 48507 | AFLAC | $156 | — | $156 | 0.87% |
| JAMES J HOGAN3 | 1508 RYAN STREET FLINT, MI 48532 | AFLAC | $94 | — | $94 | 0.52% |
| KIMBERLY M MCNULTY3 | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $73 | — | $73 | 0.41% |
| GARLAND GRAZIER3 Filed as: GARLAND R GRAZIER | 3051 NORTH HINTZ ROAD OWOSSO, MI 48867 | AFLAC | $64 | — | $64 | 0.36% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $50 | — | $50 | 0.28% |
| THOMAS W BOSTON3 Filed as: THOMAS W RINGWALD | 2732 SPIRIT ROCK TRAIL RENO, NV 89511 | AFLAC | $47 | — | $47 | 0.26% |
| ELAINE M GREENWAY3 | 115 CURWOOD CASTLE DRIVE OWOSSO, MI 48867 | AFLAC | $47 | — | $47 | 0.26% |
| MARK R DECKARD3 | 5298 FREDERICKS STAND SOUTH LEBANON, OH 45065 | AFLAC | $40 | — | $40 | 0.22% |
| DAYTON LLC3 Filed as: DAYTON R RINEHART | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $35 | — | $35 | 0.19% |
| MICHELE M ULRYCH3 | 2824 ASPEN LANE BLOOMFIELD HILLS, MI 48302 | AFLAC | $34 | — | $34 | 0.19% |
| JOSE MANUEL RODRIGUEZ3 | 9306 NORTH BRAY ROAD CLIO, MI 48420 | AFLAC | $29 | — | $29 | 0.16% |
| BRIAN J DAY3 | 8744 UNION CENTRE BOULEVARD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $29 | — | $29 | 0.16% |
| DANIEL GREGG THATCHER3 | 2229 DESERT VILLAGE COURT SPARKS, NV 89436 | AFLAC | $24 | — | $24 | 0.13% |
| QUICY C MCCOMAS3 | 6059 SOUTH QUEBEC STREET CENTENNIAL, CO 80111 | AFLAC | $18 | — | $18 | 0.10% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $14 | $4 | $18 | 0.10% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LANE TRAVERSE CITY, MI 49684 | AFLAC | $17 | — | $17 | 0.09% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN COURT MILFORD, MI 48380 | AFLAC | $13 | $4 | $17 | 0.09% |
| MARGUERITE E LEMMON-RINEHART3 | 10165 WOODBROOK CIRCLE LAKELAND, TN 38002 | AFLAC | $10 | — | $10 | 0.06% |
| HUGH W QUIGLEY3 | 4701 ADDLEY AVENUE NORTH PORT, FL 34288 | AFLAC | $10 | — | $10 | 0.06% |
| LARRY E KESSELRING3 | 9880 EAST GRAND RIVER AVENUE SUITE 106 BRIGHTON, MI 48116 | AFLAC | $10 | — | $10 | 0.06% |
| MARC D BARNES3 | 2545 SOUTH DEARBORN STREET APARTMENT 514 CHICAGO, IL 60616 | AFLAC | $9 | — | $9 | 0.05% |
| MARK HILL3 | 7673 NORTH SUMMIT PASS PRESCOTT VALLEY, AZ 86312 | AFLAC | $8 | — | $8 | 0.04% |
| SALVATORE LIPARI3 | 11168 GREENDALE DRIVE STERLING HEIGHTS, MI 48312 | AFLAC | $8 | — | $8 | 0.04% |
| KRAIG M SEXTON3 | 9864 EAST GRAND RIVER AVENUE SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $7 | — | $7 | 0.04% |
| RYANT T NIELSEN3 | 1160 SOUTH 9275 EAST HUNTSVILLE, UT 84317 | AFLAC | $6 | — | $6 | 0.03% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.03% |
| MARK HILL3 | 222 WEST GURLEY STREET SUITE 214 PRESCOTT, AZ 86301 | AFLAC | $4 | — | $4 | 0.02% |
| NEGYLE A BEAMAN3 | PO BOX 39806 REFORD, MI 48239 | AFLAC | $4 | — | $4 | 0.02% |
| JOSEPTH A FREDERICKS II3 | 3140 WALNUT HLS LEONARD, MI 48367 | AFLAC | $3 | — | $3 | 0.02% |
| JOSEPTH A FREDERICKS II3 | 19900 EAST 10 MILE ROAD SAINT CLAIR SHORES, MI 48080 | AFLAC | $2 | — | $2 | 0.01% |
| HEIDI E GLAUB3 | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | AFLAC | $2 | — | $2 | 0.01% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.01% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BLVD SUITE 300 BRIGHTON, MI 48116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.88% |
| DENNIS W MCVITTIE JR3 Filed as: DENNIS MCVITTIE JUNIOR | 518 BASELINE ROAD NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $833 | — | $833 | 9.57% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MO 48307 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $646 | — | $646 | 7.43% |
| LORI ABRAMSON3 | 1055 SHERBROKE STREET COMMERCE TOWNSHIP, MI 48382 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $103 | — | $103 | 1.18% |
| DOUGLAS H ROEHM3 Filed as: DOUGLAS ROEHM | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER HILLS, MI 48307 | HEALTHPLUS INSURANCE COMPANY | $2K | — | $2K | — |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTHPLUS INSURANCE COMPANY | 15 | $1.8M |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $195K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $195K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $195K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $195K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.