| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 3.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 611 POINTE NORTH BLVD ALBANY, GA 317211514 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 206 EXCHANGE PLACE HUNSTVILLE, AL 358242300 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 2.50% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 877 E 16TH STREET HOLLAND, MI 49423 | AFLAC | $391 | — | $391 | 7.10% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 5567 MADISON AVE HUDSONVILLE, MI 49426 | AFLAC | $120 | — | $120 | 2.18% |
| ERIC J CONDRON3 | 11358 WILD POND DR SE ROCKFORD, MI 49341 | AFLAC | $62 | — | $62 | 1.13% |
| EOWALTER3 LLC3 | 505 CHERRY ST SE 310 GRAND RAPIDS, MI 49503 | AFLAC | $32 | — | $32 | 0.58% |
| RICHARD JOHN DERF3 | P.O. BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $30 | — | $30 | 0.54% |
| ROLAND M CONSTANT JR3 | 3047 144TH AVENUE DORR, MI 49323 | AFLAC | $30 | — | $30 | 0.54% |
| JEREMY D SAMPSEL3 | 3030 S 9TH ST STE 2K KALAMAZOO, MI 49009 | AFLAC | $22 | — | $22 | 0.40% |
| JEFFRY D DEKAM3 | 3185 MACATAWA DR SW STE D GRANDVILLE, MI 49418 | AFLAC | $16 | — | $16 | 0.29% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $10 | — | $10 | 0.18% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $8 | — | $8 | 0.15% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.07% |
| KAREN L MOLENGRAFF3 | 877 E 16TH STREET HOLLAND, MI 49423 | AFLAC | $0 | — | $0 | 0.00% |
| THOMAS H WOLFE3 | 1630 CLEVELAND AVE S WYOMING, MI 49509 | AFLAC | $0 | — | $0 | 0.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 877 E 16TH STREET HOLLAND, MI 49423 | AFLAC | $145 | — | $145 | 5.32% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 5567 MADISON AVE HUDSONVILLE, MI 49426 | AFLAC | $73 | — | $73 | 2.68% |
| ERIC J CONDRON3 | 11358 WILD POND DR SE ROCKFORD, MI 49341 | AFLAC | $36 | — | $36 | 1.32% |
| JEREMY D SAMPSEL3 | 3030 S 9TH ST SUITE 2K KALAMAZOO, MI 49009 | AFLAC | $13 | — | $13 | 0.48% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $7 | — | $7 | 0.26% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.22% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.07% |
| ROLAND M CONSTANT JR3 | 3047 144TH AVENUE DORR, MI 49323 | AFLAC | $0 | — | $0 | 0.00% |
| THOMAS H WOLFE3 | 1630 CLEVELAND AVE S WYOMING, MI 49509 | AFLAC | $0 | — | $0 | 0.00% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 13163 BUCKTHORN CT MOBILE, AL 36608 | AFLAC | $23 | — | $23 | 3.40% |
| LARRY E SHARP3 Filed as: LARRY SHARP | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $21 | — | $21 | 3.10% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $16 | — | $16 | 2.36% |
| JEFFRY A WILSON SR3 Filed as: JEFFRY WILSON SR. | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $12 | — | $12 | 1.77% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R & L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $11 | — | $11 | 1.62% |
| ROBERTA WILSON3 | PO BOX 12573 HUNTSVILLE, AA 35815 | AFLAC | $9 | — | $9 | 1.33% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 134 | $591K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 543 | $206K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 134 | $591K |
| Other(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 134 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.