| 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 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $9K | $30K | 10.34% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $725 | $99 | $824 | 5.12% |
| MATTHEW MICHALIK3 | 9485 PORTAGE LAKE AVE PINCKNEY, MI 48169 | AFLAC | $368 | $20 | $388 | 2.41% |
| JAMES H RAIRIGH3 | 240 HORTON ST LANSING, MI 48912 | AFLAC | $310 | — | $310 | 1.93% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $127 | — | $127 | 0.79% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR, STE 202 FENTON, MI 48430 | AFLAC | $76 | $20 | $96 | 0.60% |
| LARRY E KESSELRING3 | 30745 JEFFREY CT APT 203 NEW HUDSON, MI 48165 | AFLAC | $88 | — | $88 | 0.55% |
| DAVID T BARCZAK3 | 4345 COURTSIDE DR WILLIAMSTON, MI 48895 | AFLAC | $44 | — | $44 | 0.27% |
| LINDA HILL3 | 840 KING CT EAST LANSING, MI 48823 | AFLAC | $43 | — | $43 | 0.27% |
| MARC D BARNES3 | 4004 CLINTON AVE BERWYN, IL 60402 | AFLAC | $43 | — | $43 | 0.27% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $42 | — | $42 | 0.26% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $36 | — | $36 | 0.22% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $35 | — | $35 | 0.22% |
| THOMAS W BOSTON3 Filed as: THOMAS W RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $32 | — | $32 | 0.20% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $27 | — | $27 | 0.17% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $21 | — | $21 | 0.13% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $20 | — | $20 | 0.12% |
| DIANE MARIE JARBOE3 Filed as: DIANE B SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $20 | — | $20 | 0.12% |
| DJD BENEFITS LLC3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $16 | — | $16 | 0.10% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $15 | — | $15 | 0.09% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $14 | — | $14 | 0.09% |
| AMANDA HENGESBACH3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $13 | — | $13 | 0.08% |
| DAVID J DOWDY3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $12 | — | $12 | 0.07% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $8 | — | $8 | 0.05% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $8 | — | $8 | 0.05% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | AFLAC | $8 | — | $8 | 0.05% |
| ANDREW K GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $6 | — | $6 | 0.04% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $4 | — | $4 | 0.02% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.02% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $3 | — | $3 | 0.02% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $2 | — | $2 | 0.01% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $1 | — | $1 | 0.01% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.01% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $3K | $29 | $3K | 21.42% |
| MATTHEW MICHALIK3 | 9485 PORTAGE LAKE AVE PINCKNEY, MI 48169 | AFLAC | $585 | $6 | $591 | 4.45% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $370 | — | $370 | 2.79% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $144 | — | $144 | 1.09% |
| LARRY E KESSELRING3 | 30745 JEFFREY CT APT 203 NEW HUDSON, MI 48165 | AFLAC | $74 | — | $74 | 0.56% |
| MARC D BARNES3 | 4004 CLINTON AVE BERWYN, IL 60402 | AFLAC | $51 | — | $51 | 0.38% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $32 | — | $32 | 0.24% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR, STE 202 FENTON, MI 48430 | AFLAC | $17 | $6 | $23 | 0.17% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.05% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $5 | — | $5 | 0.04% |
| JAMES C SNIDER JR3 | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $4 | — | $4 | 0.03% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.02% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 48456 | AFLAC | $1 | — | $1 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KATHY S BROWN | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $630 | $54 | $684 | 9.10% |
| TERESA L SELLS3 | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $204 | $11 | $215 | 2.86% |
| VICKI J MINCEY3 | PO BOX 1845 WEST JEFFERSON, NC 28694 | AFLAC | $150 | $11 | $161 | 2.14% |
| DANIEL SEXTON3 | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $150 | — | $150 | 2.00% |
| DANIEL SEXTON3 | 806 RUSTIC RD WEST JEFFERSON, NC 28694 | AFLAC | $56 | — | $56 | 0.74% |
| C HARVEY KING3 | 931 S MAIN ST STE B # 206 KERNERSVILLE, NC 27284 | AFLAC | $27 | — | $27 | 0.36% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $24 | — | $24 | 0.32% |
| NICHOLAS R SAUNDERS3 | 59 LYNWOOD CIR ASHEVILLE, NC 28806 | AFLAC | $16 | — | $16 | 0.21% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $14 | — | $14 | 0.19% |
| WILLIAM L BAKER IV3 | 2310 S MIAMI BLVD STE 239 DURHAM, NC 27703 | AFLAC | $9 | — | $9 | 0.12% |
| RICHARD SMITHSON3 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $8 | — | $8 | 0.11% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $3 | — | $3 | 0.04% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $2 | — | $2 | 0.03% |
| RONALD MOSTO II3 Filed as: RONALD S MOSTO II | 204 S 35TH ST STE 100 COUNCIL BLUFFS, IA 51501 | AFLAC | $2 | — | $2 | 0.03% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $1 | — | $1 | 0.01% |
| JULIE W CRAIG3 | 5381 W HILLSBORO BLVD APT 108 COCONUT CREEK, FL 33073 | AFLAC | $1 | — | $1 | 0.01% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.01% |
| JAN E MATLOCK3 Filed as: JAN MATLOCK | 4159 LAKE AVE WILMINGTON, NC 28403 | AFLAC | $444 | — | $444 | 8.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KATHY BROWN | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $181 | — | $181 | 3.65% |
| JOHN P DANIELS3 Filed as: JOHN ROSER III | 433 ALBEMARLE RD WILMINGTON, NC 28405 | AFLAC | $102 | — | $102 | 2.06% |
| TERESA L SELLS3 Filed as: TERESA SELLS | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $79 | — | $79 | 1.59% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $64 | — | $64 | 1.29% |
| VICKI J MINCEY3 Filed as: VICKI MINCEY | PO BOX 1845 WEST JEFFERSON, NC 28694 | AFLAC | $34 | — | $34 | 0.69% |
| GWEN BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $30 | — | $30 | 0.61% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $18 | — | $18 | 0.36% |
| KATHERINE RENN3 | 5006 PORTSIDE DR SOUTHPORT, NC 28461 | AFLAC | $18 | — | $18 | 0.36% |
| KATRINA D AIKEN3 Filed as: KATRINA AIKEN | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $6 | — | $6 | 0.12% |
| DEBORAH A WITHEY3 Filed as: DEBORAH WITHEY | 2149 6T ST NW HICKORY, NC 28601 | AFLAC | $2 | — | $2 | 0.04% |
| BRIAN C MURPHY3 | 951 SOUTH STREET ROSLINDALE, MA 02131 | AFLAC | $350 | $16 | $366 | 8.28% |
| STEVEN R KARAS3 | 2000 COMMON WEALTH AVE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $138 | $3 | $141 | 3.19% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $64 | — | $64 | 1.45% |
| ARI JOSEPH WEXLER3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $39 | — | $39 | 0.88% |
| LARRY D DENNY3 Filed as: LARRY KESSELRING | 30745 JEFFREY CT APT 203 NEW HUDSON, MI 48165 | AFLAC | $22 | — | $22 | 0.50% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $21 | — | $21 | 0.47% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $11 | — | $11 | 0.25% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR, STE 150 OKEMOS, MI 48864 | AFLAC | $10 | — | $10 | 0.23% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $6 | — | $6 | 0.14% |
| NATHAN A HUMMER3 | 5 WEBBER RD WESTFORD, MA 01886 | AFLAC | $2 | — | $2 | 0.05% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.02% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $1 | — | $1 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KATHY S BROWN | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $48 | $9 | $57 | 7.43% |
| TERESA L SELLS3 | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $20 | $2 | $22 | 2.87% |
| VICKI J MINCEY3 | PO BOX 1845 WEST JEFFERSON, NC 28694 | AFLAC | $11 | $2 | $13 | 1.69% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $7 | — | $7 | 0.91% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $7 | — | $7 | 0.91% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $2 | — | $2 | 0.26% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $1 | — | $1 | 0.13% |
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 | 185 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $285K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $285K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $285K |
| Short-term disability(7 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $333K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $285K |
| Other(7 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.