| 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 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $12K | $19K | 12.71% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S WASHINGTON AVE LANSING, MI 48933 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.90% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S WASHINGTON AVE LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 5.71% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS, INC. | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 4.06% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $3K | $94 | $3K | 9.75% |
| WENDY LYNN WITT3 | 1157 BOOTH STREET HOWELL, MI 48843 | AFLAC | $425 | $9 | $434 | 1.42% |
| PATRICIA H WALKUP3 Filed as: PATRICIA WALKUP | 8950 SNOW CAMP RD SNOW CAMP, NC 27349 | AFLAC | $350 | — | $350 | 1.14% |
| ANDREW J LOEWEN3 Filed as: ANDREW LOEWEN | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $322 | $9 | $331 | 1.08% |
| ANNA BALDWIN3 | 630 KIRBY DR PACOLET, SC 29372 | AFLAC | $296 | — | $296 | 0.97% |
| JAMES H RAIRIGH3 | 240 HORTON ST LANSING, MI 48912 | AFLAC | $237 | — | $237 | 0.77% |
| REBECCA J GIBSON3 Filed as: REBECCA GIBSON | 106 CIRCLE DR PRINCETON, WV 24740 | AFLAC | $178 | — | $178 | 0.58% |
| SABRINA HASKELL3 | 2150 COUNTRY CLUB RD STE 228 WINSTON SALEM, NC 27104 | AFLAC | $165 | — | $165 | 0.54% |
| BRIAN MURPHY3 | 951 SOUTH ST ROSLINDALE, MA 02131 | AFLAC | $142 | — | $142 | 0.46% |
| KATHY S HARRIS3 Filed as: KATHY HARRIS | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $139 | — | $139 | 0.45% |
| STEPHANIE L KESSELRING3 | 499 BATH CLUB BLVD N NORTH REDINGTON BEACH, FL 33708 | AFLAC | $106 | — | $106 | 0.35% |
| TERESA L SELLS3 Filed as: TERESA SELLS | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $75 | — | $75 | 0.25% |
| MATTHEW MICHALIK3 | 5044 HOLLYWOOD CT BRIGHTON, MI 48116 | AFLAC | $70 | — | $70 | 0.23% |
| STEVEN KARAS3 | 2000 COMMONWEALTH AVE STE 110 AUBURNDALE, MA 02466 | AFLAC | $54 | — | $54 | 0.18% |
| MARC D BARNES3 | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $47 | — | $47 | 0.15% |
| BRENDA GARRETT3 | 5400 GLENWOOD AVE STE G03 RALEIGH, NC 27612 | AFLAC | $45 | — | $45 | 0.15% |
| LARRY E KESSELRING3 | 5879 FORESTAL DRIVE WATERFORD, MI 48327 | AFLAC | $39 | $3 | $42 | 0.14% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $41 | — | $41 | 0.13% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR, STE 202 FENTON, MI 48430 | AFLAC | $40 | — | $40 | 0.13% |
| LINDA HILL3 | 840 KING CT EAST LANSING, MI 48823 | AFLAC | $39 | — | $39 | 0.13% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $39 | — | $39 | 0.13% |
| DAVID T BARCZAK3 | 4345 COURTSIDE DR WILLIAMSTON, MI 48895 | AFLAC | $38 | — | $38 | 0.12% |
| JENNIFER GRIDER3 | 237 CABOT DR WINSTON SALEM, NC 27103 | AFLAC | $38 | — | $38 | 0.12% |
| HEATHER LAWSON3 | 133 RONICA LN PACOLET, SC 29372 | AFLAC | $38 | — | $38 | 0.12% |
| JAN E MATLOCK3 Filed as: JAN MATLOCK | 4159 LAKE AVE WILMINGTON, NC 28403 | AFLAC | $36 | — | $36 | 0.12% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $33 | — | $33 | 0.11% |
| LORIN ALBIN3 | 6315 BOULDER TRAIL DR APT 101-1 ROANOKE, VA 24019 | AFLAC | $27 | — | $27 | 0.09% |
| GWEN BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $26 | — | $26 | 0.08% |
| JEREMY M HASKELL3 Filed as: JEREMY HASKELL | 2150 COUNTRY CLUB RD STE 228 WINSTON SALEM, NC 27104 | AFLAC | $25 | — | $25 | 0.08% |
| DJD BENEFITS LLC3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $24 | — | $24 | 0.08% |
| JUSTIN M GUIDI3 Filed as: JUSTIN GUIDI | 777 LOWNDES HILL RD BLDG 3 STE 200 GREENVILLE, SC 29607 | AFLAC | $24 | — | $24 | 0.08% |
| KEVIN L MARTIN3 Filed as: KEVIN MARTIN | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $23 | — | $23 | 0.08% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $19 | — | $19 | 0.06% |
| TIMOTHY J REED3 Filed as: TIMOTHY SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $19 | — | $19 | 0.06% |
| JOHN P DANIELS3 Filed as: JOHN ROSER III | 433 ALBEMARLE RD WILMINGTON, NC 28405 | AFLAC | $19 | — | $19 | 0.06% |
| ARI JOSEPH WEXLER3 Filed as: ARI WEXLER | 11 STOCKDALE RD NEEDHAM, MA 02492 | AFLAC | $19 | — | $19 | 0.06% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $18 | — | $18 | 0.06% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $18 | — | $18 | 0.06% |
| DANIEL SEXTON3 | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $16 | — | $16 | 0.05% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $15 | — | $15 | 0.05% |
| VICKI J MINCEY3 Filed as: VICKI MINCEY | PO BOX 1845 WEST JEFFERSON, NC 28694 | AFLAC | $15 | — | $15 | 0.05% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $13 | — | $13 | 0.04% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $13 | — | $13 | 0.04% |
| AMANDA HENGESBACH3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $12 | — | $12 | 0.04% |
| DAVID S HALLETT3 Filed as: DAVID HALLET | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $10 | — | $10 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS W RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $9 | — | $9 | 0.03% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $9 | — | $9 | 0.03% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $7 | — | $7 | 0.02% |
| SPAZ AND GLAUB ENTERPRISES3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $7 | — | $7 | 0.02% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.02% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $6 | — | $6 | 0.02% |
| C KING3 | 931 S MAIN ST STE B #206 KERNERSVILLE, NC 27284 | AFLAC | $6 | — | $6 | 0.02% |
| DANIEL P CLARK3 Filed as: DANIEL CLARK | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $4 | — | $4 | 0.01% |
| KATRINA D AIKEN3 Filed as: KATRINA AIKEN | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.01% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $1 | — | $1 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.00% |
| RONALD MOSTO II3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $1 | — | $1 | 0.00% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $1 | — | $1 | 0.00% |
| NATHAN A HUMMER3 Filed as: NATHAN HUMMER | 5 WEBBER RD WESTFORD, MA 01886 | AFLAC | $1 | — | $1 | 0.00% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S WASHINGTON AVE LANSING, MI 48933 | VISION SERVICE PLAN | $618 | — | $618 | 3.81% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS, INC. | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | VISION SERVICE PLAN | $606 | — | $606 | 3.74% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 309 | $156K |
| Vision(2 contracts, 2 carriers) | AFLAC | 156 | $47K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $178K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $178K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $147K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.