| 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 | $22K | $11K | $33K | 8.87% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $843 | — | $843 | 6.80% |
| JAMES H RAIRIGH3 | 240 HORTON ST LANSING, MI 48912 | AFLAC | $224 | — | $224 | 1.81% |
| WENDY LYNN WITT3 | 1157 BOOTH STREET HOWELL, MI 48843 | AFLAC | $126 | — | $126 | 1.02% |
| LARRY E KESSELRING3 | 5879 FORESTAL DRIVE WATERFORD, MI 48327 | AFLAC | $102 | — | $102 | 0.82% |
| MATTHEW MICHALIK3 | 9485 PORTAGE LAKE AVE PINCKNEY, MI 48169 | AFLAC | $65 | $21 | $86 | 0.69% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $82 | — | $82 | 0.66% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR, STE 202 FENTON, MI 48430 | AFLAC | $35 | — | $35 | 0.28% |
| LINDA HILL3 | 840 KING CT EAST LANSING, MI 48823 | AFLAC | $33 | — | $33 | 0.27% |
| DAVID T BARCZAK3 | 4345 COURTSIDE DR WILLIAMSTON, MI 48895 | AFLAC | $32 | — | $32 | 0.26% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $32 | — | $32 | 0.26% |
| MARC D BARNES3 | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $30 | — | $30 | 0.24% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $24 | — | $24 | 0.19% |
| THOMAS W BOSTON3 Filed as: THOMAS W RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $21 | — | $21 | 0.17% |
| DJD BENEFITS LLC3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $20 | — | $20 | 0.16% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $19 | — | $19 | 0.15% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $16 | — | $16 | 0.13% |
| DIANE MARIE JARBOE3 Filed as: DIANE B SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $16 | — | $16 | 0.13% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $15 | — | $15 | 0.12% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $8 | $4 | $12 | 0.10% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $11 | — | $11 | 0.09% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $11 | — | $11 | 0.09% |
| AMANDA HENGESBACH3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $10 | — | $10 | 0.08% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $6 | — | $6 | 0.05% |
| SPAZ AND GLAUB ENTERPRISES3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $6 | — | $6 | 0.05% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.04% |
| ANDREW K GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $5 | — | $5 | 0.04% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.02% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.02% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $1 | — | $1 | 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 | $940 | $164 | $1K | 13.08% |
| MATTHEW MICHALIK3 | 9485 PORTAGE LAKE AVE PINCKNEY, MI 48169 | AFLAC | $83 | $33 | $116 | 1.37% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $108 | — | $108 | 1.28% |
| LARRY E KESSELRING3 | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $105 | — | $105 | 1.24% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $72 | $33 | $105 | 1.24% |
| WENDY LYNN WITT3 | 1157 BOOTH ST HOWELL, MI 48843 | AFLAC | $92 | — | $92 | 1.09% |
| MARC D BARNES3 | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $43 | — | $43 | 0.51% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $22 | — | $22 | 0.26% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.05% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $3 | — | $3 | 0.04% |
| JAMES C SNIDER JR3 | 457 MANFORD RD MAITLAND, FL 32751 | AFLAC | $3 | — | $3 | 0.04% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.02% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW EAST LANSING, MI 48823 | AFLAC | $1 | — | $1 | 0.01% |
| BARBARA A KROLL3 Filed as: BARBARA KROLL | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $314 | — | $314 | 8.66% |
| JAN E MATLOCK3 Filed as: JAN MATLOCK | 4159 LAKE AVE WILMINGTON, NC 28403 | AFLAC | $87 | $34 | $121 | 3.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KATHY BROWN | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $80 | — | $80 | 2.21% |
| TERESA L SELLS3 Filed as: TERESA SELLS | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $42 | — | $42 | 1.16% |
| JOHN P DANIELS3 Filed as: JOHN ROSER III | 433 ALBEMARLE RD WILMINGTON, NC 28405 | AFLAC | $34 | $7 | $41 | 1.13% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $17 | $7 | $24 | 0.66% |
| GWEN BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $19 | — | $19 | 0.52% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $12 | — | $12 | 0.33% |
| VICKI J MINCEY3 Filed as: VICKI MINCEY | PO BOX 1845 WEST JEFFERSON, NC 28694 | AFLAC | $2 | — | $2 | 0.06% |
| KATRINA D AIKEN3 Filed as: KATRINA AIKEN | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $2 | — | $2 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KATHY S BROWN | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $170 | $6 | $176 | 4.98% |
| TERESA L SELLS3 | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $74 | $6 | $80 | 2.26% |
| BARBARA A KROLL3 Filed as: BARBARA KROLL | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $74 | — | $74 | 2.09% |
| DANIEL SEXTON3 | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $49 | $23 | $72 | 2.04% |
| VICKI J MINCEY3 | PO BOX 1845 WEST JEFFERSON, NC 28694 | AFLAC | $58 | $6 | $64 | 1.81% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $9 | — | $9 | 0.25% |
| C HARVEY KING3 | 931 S MAIN ST STE B # 206 KERNERSVILLE, NC 27284 | AFLAC | $8 | — | $8 | 0.23% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $8 | — | $8 | 0.23% |
| NICHOLAS R SAUNDERS3 | 59 LYNWOOD CIR ASHEVILLE, NC 28806 | AFLAC | $8 | — | $8 | 0.23% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND RALEIGH, NC 27615 | AFLAC | $4 | — | $4 | 0.11% |
| RICHARD SMITHSON3 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $4 | — | $4 | 0.11% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $2 | — | $2 | 0.06% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $1 | — | $1 | 0.03% |
| RONALD MOSTO II3 Filed as: RONALD S MOSTO II | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $1 | — | $1 | 0.03% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $1 | — | $1 | 0.03% |
| JULIE W CRAIG3 | 5381 W HILLSBORO BLVD APT 108 COCONUT CREEK, FL 33073 | AFLAC | $1 | — | $1 | 0.03% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.03% |
| BRIAN C MURPHY3 | 951 SOUTH STREET ROSLINDALE, MA 02131 | AFLAC | $131 | $12 | $143 | 5.70% |
| STEVEN R KARAS3 | 2000 COMMON WEALTH AVE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $50 | $2 | $52 | 2.07% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $41 | — | $41 | 1.63% |
| ARI JOSEPH WEXLER3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $25 | — | $25 | 1.00% |
| STEVEN R KARAS3 | 2000 COMMONWEALTH AVE STE 110 AUBURNDALE, MA 02466 | AFLAC | $17 | — | $17 | 0.68% |
| LARRY D DENNY3 Filed as: LARRY KESSELRING | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $14 | — | $14 | 0.56% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $7 | — | $7 | 0.28% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $6 | — | $6 | 0.24% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $3 | $2 | $5 | 0.20% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $4 | — | $4 | 0.16% |
| NATHAN A HUMMER3 | 5 WEBBER RD WESTFORD, MA 01886 | AFLAC | $1 | — | $1 | 0.04% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $773 | — | $773 | 33.42% |
| WENDY LYNN WITT3 | 1157 BOOTH ST HOWELL, MI 48843 | AFLAC | $196 | — | $196 | 8.47% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $243 | — | $243 | 19.95% |
| ANDREW J LOEWEN3 | 2940 SAINT ANDREW DR FINDLAY, OH 45840 | AFLAC | $35 | — | $35 | 2.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KATHY S BROWN | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $30 | — | $30 | 2.46% |
| TERESA L SELLS3 | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $14 | — | $14 | 1.15% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $6 | — | $6 | 0.49% |
| VICKI J MINCEY3 | PO BOX 1845 WEST JEFFERSON, NC 28694 | AFLAC | $5 | — | $5 | 0.41% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $5 | — | $5 | 0.41% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $1 | — | $1 | 0.08% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $372K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $372K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $372K |
| Short-term disability(8 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $406K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $372K |
| Other(8 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
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.