| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BPX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $3K | $19K | 8.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BPX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $612 | — | $612 | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD ST 2300 TROY, MI 48084 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 2.50% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GRP AN ALERA GRP AGY LLC | 56 CAESAR E CHAVEZ AVE SW ST 300 GRAND RAPIDS, MI 49503 | AFLAC | $255 | — | $255 | 3.03% |
| NICOLE DOLPHIN3 | 5314 QUEST DR SW WYOMING, MI 49418 | AFLAC | $182 | $43 | $225 | 2.67% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $87 | — | $87 | 1.03% |
| WILLIAM JOHNSON & ASSOC LLC3 | 2922 FULLER AVE NE #202 GRAND RAPIDS, MI 49505 | AFLAC | $41 | $10 | $51 | 0.61% |
| EDWARD O WALTER III3 | PO BOX 1377 NOVI, MI 48376 | AFLAC | $46 | — | $46 | 0.55% |
| JEREMY D SAMPSEL3 | 10438 N 6TH ST OSTEGO, MI 49078 | AFLAC | $23 | — | $23 | 0.27% |
| CHARLES HOWARD JOBE3 | 8421 EVERGREEN DR NORTHFIELD, OH 44067 | AFLAC | $19 | — | $19 | 0.23% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $18 | — | $18 | 0.21% |
| SHANE TODD HOHLER3 | 9528 MCRAE PLACE CT MOBILE, AL 36695 | AFLAC | $18 | — | $18 | 0.21% |
| JEFFREY P POLS3 | 5567 MADISON AVE HUNDSONVILLE, MI 49426 | AFLAC | $15 | — | $15 | 0.18% |
| LINDSAY PIPER3 | 10918 12TH AVE NW GRAND RAPIDS, MI 49534 | AFLAC | $13 | — | $13 | 0.15% |
| ROLAND M CONSTANT JR3 | 3047 144TH AVE DORR, MI 49323 | AFLAC | $13 | — | $13 | 0.15% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $13 | — | $13 | 0.15% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $8 | — | $8 | 0.09% |
| ERIC J CONDRON3 | 10880 SAND OAK TRL CEDAR SPRINGS, MI 49319 | AFLAC | $7 | — | $7 | 0.08% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $6 | — | $6 | 0.07% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $1 | — | $1 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES C SNIDER JR3 | 4105 MILLSTREAM RD DENVER, NC 28037 | AFLAC | $1 | — | $1 | 0.01% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $1 | — | $1 | 0.01% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | 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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 222 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 627 | $281K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 514 | $219K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 514 | $219K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 222 | $1.5M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 514 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.