| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE AGENCY, LLC | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $6K | $17K | 13.35% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE AGENCY, LLC | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 9.44% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $488 | — | $488 | 2.87% |
| MICHAEL T REYES3 Filed as: MICHAEL K BROOKS | 190 STILL HILL RD HAMDEN, CT 06518 | AFLAC | $474 | — | $474 | 2.78% |
| DEBBIE S COLLINS3 | 2945 GREEN HILL DR SALEM, VA 24153 | AFLAC | $433 | — | $433 | 2.54% |
| ROGERS BENEFIT GROUP INC3 Filed as: JOHN ROGERS MYERS | 136 BARN HILL RD CLEVELAND, NC 27013 | AFLAC | $277 | — | $277 | 1.63% |
| KAREN L SWENSON3 | 310 N FRONT ST STE 4 WILMINGTON, NC 28401 | AFLAC | $184 | — | $184 | 1.08% |
| MIGUEL A IRIZARRY3 | 6611 WINDINGWOOD LN WILMINGTON, NC 28411 | AFLAC | $170 | — | $170 | 1.00% |
| JAMES H RAIRIGH3 | 958 AVENUE D #B TRAVERSE CITY, MI 49686 | AFLAC | $147 | — | $147 | 0.86% |
| CHRISTOPHER M. MCKIERNAN3 Filed as: CHRISTOPHER M MCKIERNAN | 9 MARINO DR MILFORD, CT 06460 | AFLAC | $83 | — | $83 | 0.49% |
| WENDY LYNN WITT3 | 1157 BOOTH STREET HOWELL, MI 48843 | AFLAC | $82 | — | $82 | 0.48% |
| SCOTT C. ANDERSON3 Filed as: SCOTT HOWARD GOLDSMITH | 9112 FOUR MILE CREEK RD CHARLOTTE, NC 28211 | AFLAC | $64 | — | $64 | 0.38% |
| STEPHEN WEST3 Filed as: STEPHEN E WEST | 5 JANE ST BEACON FALLS, CT 06403 | AFLAC | $55 | — | $55 | 0.32% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $52 | — | $52 | 0.31% |
| MARTIN D ADAMS3 | PO BOX 1927 CLINTON, NC 28329 | AFLAC | $43 | — | $43 | 0.25% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $42 | — | $42 | 0.25% |
| MATTHEW G BURNSIDE3 | 8510 MCALPINE PARK DR STE 208 CHARLOTTE, NC 28211 | AFLAC | $42 | — | $42 | 0.25% |
| DAVID T BARCZAK3 | 4345 COURTSIDE DR WILLIAMSTON, MI 48895 | AFLAC | $41 | — | $41 | 0.24% |
| BRIAN C MURPHY3 | 951 SOUTH ST ROSLINDALE, MA 02131 | AFLAC | $39 | — | $39 | 0.23% |
| MATTHEW RUTLEDGE3 Filed as: MATTHEW L RUTLEDGE | 106 ROCK MULL PEACHTREE CITY, GA 30269 | AFLAC | $33 | — | $33 | 0.19% |
| LINDA HILL3 | 840 KING CT EAST LANSING, MI 48823 | AFLAC | $31 | — | $31 | 0.18% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $30 | — | $30 | 0.18% |
| ANDREW J LOEWEN3 | 1103 SCHROCK RD STE 303 COLUMBUS, OH 43229 | AFLAC | $29 | — | $29 | 0.17% |
| TAMMY BRITT COOPER3 | 5164 FORTUNA DR BELVILLE, NC 28451 | AFLAC | $28 | — | $28 | 0.16% |
| DJD BENEFITS LLC3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $26 | — | $26 | 0.15% |
| LARRY E KESSELRING3 | 5879 FORESTAL DRIVE WATERFORD, MI 48327 | AFLAC | $24 | — | $24 | 0.14% |
| STEVEN R KARAS3 | 222 WARD ST NEWTON, MA 02459 | AFLAC | $21 | — | $21 | 0.12% |
| SABRINA HASKELL3 | 109 DEMOTTE AVE PORT ORANGE, FL 32127 | AFLAC | $21 | — | $21 | 0.12% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $21 | — | $21 | 0.12% |
| 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% |
| LAURA MESSER3 Filed as: LAURA B MESSER | 790 HERRELL RD VILLA RICA, GA 30180 | AFLAC | $17 | — | $17 | 0.10% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $15 | — | $15 | 0.09% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $14 | — | $14 | 0.08% |
| AMANDA HENGESBACH3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $12 | — | $12 | 0.07% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR, STE 202 FENTON, MI 48430 | AFLAC | $11 | — | $11 | 0.06% |
| JENNIFER GRIDER3 Filed as: JENNIFER T GRIDER | 237 CABOT DR WINSTON SALEM, NC 27103 | AFLAC | $11 | — | $11 | 0.06% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $11 | — | $11 | 0.06% |
| ARI JOSEPH WEXLER3 | 11 STOCKDALE RD NEEDHAM, MA 02492 | AFLAC | $10 | — | $10 | 0.06% |
| MATTHEW MICHALIK3 | 5205 VAN WINKLE ST BRIGHTON, MI 48116 | AFLAC | $9 | — | $9 | 0.05% |
| MICAH L MESSER3 | 790 HERRELL RD VILLA RICA, GA 30180 | AFLAC | $9 | — | $9 | 0.05% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $8 | — | $8 | 0.05% |
| MARC D BARNES3 | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $7 | — | $7 | 0.04% |
| RENEE M TRUDEAU3 | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | AFLAC | $7 | — | $7 | 0.04% |
| JEREMY M HASKELL3 | 109 DEMOTTE AVE PORT ORANGE, FL 32127 | AFLAC | $5 | — | $5 | 0.03% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $5 | — | $5 | 0.03% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $4 | — | $4 | 0.02% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $3 | — | $3 | 0.02% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.01% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES C SNIDER JR3 | 20817 POINTE REGATTA DR CORNELIUS, NC 28031 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES BULLOCK3 | 6144 W LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $1 | — | $1 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $1 | — | $1 | 0.01% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE AGENCY, LLC | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.11% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 279 | $121K |
| Vision(2 contracts, 2 carriers) | AFLAC | 271 | $34K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $148K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $148K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $131K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.