| 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 | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 611 POINTE NORTH BLVD ALBANY, GA 317211514 | AMERITAS LIFE INSURANCE CORP | — | $1K | $1K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 206 EXCHANGE PLACE HUNTSVILLE, 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 | $366 | — | $366 | 9.94% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 5567 MADISON AVE HUDSONVILLE, MI 49426 | AFLAC | $80 | — | $80 | 2.17% |
| ERIC J CONDRON3 | 11358 WILD POND DR SE ROCKFORD, MI 49341 | AFLAC | $40 | — | $40 | 1.09% |
| ERIN GERKE3 | 834 LAKEVIEW DR LAKE ODESSA, MI 48849 | AFLAC | $37 | — | $37 | 1.01% |
| EOWALTER3 LLC3 | PO BOX 150199 GRAND RAPIDS, MI 49515 | AFLAC | $34 | — | $34 | 0.92% |
| ROLAND M CONSTANT JR3 | 3047 144TH AVENUE DORR, MI 49323 | AFLAC | $20 | — | $20 | 0.54% |
| JEREMY D SAMPSEL3 | 3030 S 9TH ST STE 2K KALAMAZOO, MI 49009 | AFLAC | $20 | — | $20 | 0.54% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $10 | — | $10 | 0.27% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 877 E 16TH STREET HOLLAND, MI 49423 | AFLAC | $137 | — | $137 | 5.31% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 5567 MADISON AVE HUDSONVILLE, MI 49426 | AFLAC | $67 | — | $67 | 2.60% |
| ERIC J CONDRON3 | 11358 WILD POND DR SE ROCKFORD, MI 49341 | AFLAC | $34 | — | $34 | 1.32% |
| JEREMY D SAMPSEL3 | 3030 S 9TH ST SUITE 2K KALAMAZOO, MI 49009 | AFLAC | $13 | — | $13 | 0.50% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $8 | — | $8 | 0.31% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $7 | — | $7 | 0.27% |
| 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, AL 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 | 338 | 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) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 145 | $779K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 537 | $218K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 145 | $779K |
| Other(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 145 | $786K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.