| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S WASHINGTON AVE LANSING, MI 48933 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 9.49% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S WASHINGTON AVE LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 9.87% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S WASHINGTON AVE LANSING, MI 48933 | VISION SERVICE PLAN | $885 | — | $885 | 6.36% |
| BARBARA A KROLL3 Filed as: BARBARA KROLL | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $677 | $17 | $694 | 5.41% |
| WENDY LYNN WITT3 Filed as: WENDY WITT | 1157 BOOTH STREET HOWELL, MI 48843 | AFLAC | $155 | $3 | $158 | 1.23% |
| JAMES H RAIRIGH3 | 958 AVENUE D #B TRAVERSE CITY, MI 49686 | AFLAC | $138 | — | $138 | 1.07% |
| MATTHEW RUTLEDGE3 | 106 ROCK MULL PEACHTREE CITY, GA 30269 | AFLAC | $83 | $15 | $98 | 0.76% |
| ANDREW J LOEWEN3 Filed as: ANDREW LOEWEN | 321 W HOBART AVE FINDLAY, OH 45840 | AFLAC | $82 | $3 | $85 | 0.66% |
| BRIAN MURPHY3 | 951 SOUTH ST ROSLINDALE, MA 02131 | AFLAC | $39 | — | $39 | 0.30% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $39 | — | $39 | 0.30% |
| DAVID T BARCZAK3 Filed as: DAVID BARCZAK | 4345 COURTSIDE DR WILLIAMSTON, MI 48895 | AFLAC | $38 | — | $38 | 0.30% |
| LAURA MESSER3 | 790 HERRELL RD VILLA RICA, GA 30180 | AFLAC | $29 | $3 | $32 | 0.25% |
| LINDA HILL3 | 840 KING CT EAST LANSING, MI 48823 | AFLAC | $29 | — | $29 | 0.23% |
| SABRINA HASKELL3 | 430 RYDER CUP LN CLEMMONS, NC 27012 | AFLAC | $25 | — | $25 | 0.19% |
| DJD BENEFITS LLC3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $24 | — | $24 | 0.19% |
| LARRY D DENNY3 Filed as: LARRY KESSELRING | 5879 FORESTAL DRIVE WATERFORD, MI 48327 | AFLAC | $23 | — | $23 | 0.18% |
| STEVEN KARAS3 | 2000 COMMONWEALTH AVE STE 305 AUBURNDALE, MA 02466 | AFLAC | $21 | — | $21 | 0.16% |
| MICAH MESSER3 | 790 HERRELL RD VILLA RICA, GA 30180 | AFLAC | $17 | $3 | $20 | 0.16% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $19 | — | $19 | 0.15% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $19 | — | $19 | 0.15% |
| TIMOTHY J REED3 Filed as: TIMOTHY SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $19 | — | $19 | 0.15% |
| KATHY S HARRIS3 Filed as: KATHY HARRIS | 1201 LAVENDER RD GROVER, NC 28073 | AFLAC | $17 | — | $17 | 0.13% |
| JAN E MATLOCK3 Filed as: JAN MATLOCK | 4159 LAKE AVE WILMINGTON, NC 28403 | AFLAC | $17 | — | $17 | 0.13% |
| JOSHUA DEVRIES3 | 110 TREALOUT DR, STE 202 FENTON, MI 48430 | AFLAC | $16 | — | $16 | 0.12% |
| MATTHEW MICHALIK3 | 5205 VAN WINKLE ST BRIGHTON, MI 48116 | AFLAC | $15 | — | $15 | 0.12% |
| JENNIFER GRIDER3 | 237 CABOT DR WINSTON SALEM, NC 27103 | AFLAC | $14 | — | $14 | 0.11% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $14 | — | $14 | 0.11% |
| BRIAN DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $13 | — | $13 | 0.10% |
| AMANDA HENGESBACH3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $12 | — | $12 | 0.09% |
| ARI JOSEPH WEXLER3 Filed as: ARI WEXLER | 11 STOCKDALE RD NEEDHAM, MA 02492 | AFLAC | $10 | — | $10 | 0.08% |
| ALAN BERGMANN3 | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $10 | — | $10 | 0.08% |
| ANNA BALDWIN3 | 401 MEADOWPARK LN DUNCAN, SC 29334 | AFLAC | $9 | — | $9 | 0.07% |
| TERESA L SELLS3 Filed as: TERESA SELLS | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $9 | — | $9 | 0.07% |
| JOHN P DANIELS3 Filed as: JOHN ROSER III | 433 ALBEMARLE RD WILMINGTON, NC 28405 | AFLAC | $9 | — | $9 | 0.07% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $8 | — | $8 | 0.06% |
| JEREMY M HASKELL3 Filed as: JEREMY HASKELL | 430 RYDER CUP LN CLEMMONS, NC 27012 | AFLAC | $6 | — | $6 | 0.05% |
| MARC D BARNES3 Filed as: MARC BARNES | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $6 | — | $6 | 0.05% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $5 | — | $5 | 0.04% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $4 | — | $4 | 0.03% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $4 | — | $4 | 0.03% |
| DANIEL P CLARK3 Filed as: DANIEL CLARK | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $3 | — | $3 | 0.02% |
| GWEN BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $2 | — | $2 | 0.02% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $2 | — | $2 | 0.02% |
| C KING3 | 931 S MAIN ST STE B #206 KERNERSVILLE, NC 27284 | AFLAC | $2 | — | $2 | 0.02% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.02% |
| JUSTIN M GUIDI3 Filed as: JUSTIN GUIDI | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $1 | — | $1 | 0.01% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 20817 POINTE REGATTA DR CORNELIUS, NC 28031 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $1 | — | $1 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | 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 | 166 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 307 | $121K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 146 | $27K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $125K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $125K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $112K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.