| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS, INC. | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $52K | $2K | $54K | 3.75% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $200 | — | $200 | 0.01% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS, INC. | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $9K | $25K | 10.17% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS, INC. | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.87% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE RD, SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $177 | — | $177 | 0.35% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $1K | — | $1K | 10.27% |
| JAMES H RAIRIGH3 | 240 HORTON ST LANSING, MI 48912 | AFLAC | $263 | — | $263 | 2.21% |
| MATTHEW MICHALIK3 | 9485 PORTAGE LAKE AVE PINCKNEY, ME 48169 | AFLAC | $194 | — | $194 | 1.63% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR, STE 202 FENTON, MI 48430 | AFLAC | $132 | — | $132 | 1.11% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $89 | — | $89 | 0.75% |
| LARRY E KESSELRING3 | 9880 E GRAND RIVER AVE, STE 106 BRIGHTON, MI 48116 | AFLAC | $79 | — | $79 | 0.66% |
| LINDA HILL3 | 840 KING CT EAST LANSING, MI 48823 | AFLAC | $63 | — | $63 | 0.53% |
| MARC D BARNES3 | 4004 CLINTON AVE BERWYN, IL 60402 | AFLAC | $31 | — | $31 | 0.26% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $29 | — | $29 | 0.24% |
| DAVID T BARCZAK3 | 4345 COURTSIDE DR WILLIAMSTON, MI 48895 | AFLAC | $29 | — | $29 | 0.24% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DR, STE 600 OKEMOS, MI 48864 | AFLAC | $26 | — | $26 | 0.22% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR, STE 150 OKEMOS, MI 48864 | AFLAC | $25 | — | $25 | 0.21% |
| THOMAS W BOSTON3 Filed as: THOMAS W RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $23 | — | $23 | 0.19% |
| ALAN BERGMANN3 | 284 TWIN PONDS DR OKEMOS, MI 48864 | AFLAC | $19 | — | $19 | 0.16% |
| DAVID J DOWDY3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $18 | — | $18 | 0.15% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $15 | — | $15 | 0.13% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $14 | — | $14 | 0.12% |
| DIANE MARIE JARBOE3 Filed as: DIANE B SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $14 | — | $14 | 0.12% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DR, STE 150 OKEMOS, MI 48864 | AFLAC | $14 | — | $14 | 0.12% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 500 KNIGHTS RUN AVE, UNIT 1801 TAMPA, FL 33602 | AFLAC | $12 | — | $12 | 0.10% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $10 | — | $10 | 0.08% |
| AMANDA HENGESBACH3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $9 | — | $9 | 0.08% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE, STE 150 OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.04% |
| BRIAN C MURPHY3 | 951 SOUTH STREET ROSLINDALE, MA 02131 | AFLAC | $2K | $20 | $2K | 17.06% |
| STEVEN R KARAS3 | 29 CRAFTS STREET, STE 550 NEWTON, MA 02458 | AFLAC | $437 | $4 | $441 | 4.72% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $110 | $9 | $119 | 1.27% |
| ARI JOSEPH WEXLER3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $66 | $4 | $70 | 0.75% |
| LARRY D DENNY3 Filed as: LARRY KESSELRING | 9880 E GRAND RIVER AVE, STE 106 BRIGHTON, MI 48116 | AFLAC | $47 | $2 | $49 | 0.52% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $18 | — | $18 | 0.19% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR, STE 150 OKEMOS, MI 48864 | AFLAC | $15 | — | $15 | 0.16% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $10 | — | $10 | 0.11% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $2 | — | $2 | 0.02% |
| NATHAN A HUMMER3 | 5 WEBBER RD WESTFORD, MA 01886 | AFLAC | $1 | — | $1 | 0.01% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, ME 48377 | AFLAC | $768 | $15 | $783 | 9.84% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $163 | — | $163 | 2.05% |
| LARRY E KESSELRING3 | 9880 E GRAND RIVER AVE, STE 106 BRIGHTON, MI 48116 | AFLAC | $98 | $3 | $101 | 1.27% |
| MATTHEW MICHALIK3 | 9485 PORTAGE LAKE AVE PINCKNEY, MI 48169 | AFLAC | $81 | — | $81 | 1.02% |
| MARC D BARNES3 | 4004 CLINTON AVE BERWYN, IL 60402 | AFLAC | $55 | — | $55 | 0.69% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR, STE 202 FENTON, MI 48430 | AFLAC | $52 | — | $52 | 0.65% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR, STE 150 OKEMOS, MI 48864 | AFLAC | $36 | — | $36 | 0.45% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $8 | $3 | $11 | 0.14% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DR CONCORD, MI 49237 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES C SNIDER JR3 | 2461 W STATE ROAD 426, STE 2061 OVIEDO, FL 32765 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.01% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 338 | $1.4M |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $297K |
| Vision(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $297K |
| Life insurance(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $297K |
| Short-term disability(5 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $327K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $247K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 338 | $1.4M |
| Other(5 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.