| 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 | $6K | — | $6K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERITAS LIFE INSURANCE CORP | $2K | $1K | $3K | 4.96% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 877 E 16TH STREET HOLLAND, MI 49423 | AFLAC | $200 | — | $200 | 3.52% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $124 | $46 | $170 | 3.00% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 4920 S OJIBWE POINT NEWAYGO, MI 49337 | AFLAC | $70 | — | $70 | 1.23% |
| CHARLES HOWARD JOBE3 | 6852 AMHERST DR APT 2106 SAGAMORE HILLS, OH 44067 | AFLAC | $47 | $9 | $56 | 0.99% |
| PERRY L CALVERT3 | PO BOX 4086 HUNTSVILLE, AL 35815 | AFLAC | $44 | — | $44 | 0.78% |
| ERIC J CONDRON3 | 11358 WILD POND DR SE ROCKFORD, MI 49341 | AFLAC | $36 | — | $36 | 0.63% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $21 | $9 | $30 | 0.53% |
| ERIN GERKE3 | 834 LAKEVIEW DR LAKE ODESSA, MI 48849 | AFLAC | $21 | — | $21 | 0.37% |
| EOWALTER3 LLC3 | 42906 SENATE PL NOVI, MI 48375 | AFLAC | $17 | — | $17 | 0.30% |
| JEREMY D SAMPSEL3 | 3030 S 9TH ST STE 2K KALAMAZOO, MI 49009 | AFLAC | $17 | — | $17 | 0.30% |
| DENNIS J SMITH3 | 1912 MORNINGSIDE DR NW HARTSELLE, AL 35640 | AFLAC | $16 | — | $16 | 0.28% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 13163 BUCKTHORN CT MOBILE, AL 36608 | AFLAC | $14 | — | $14 | 0.25% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $11 | — | $11 | 0.19% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $9 | — | $9 | 0.16% |
| ROBERTA WILSON3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $9 | — | $9 | 0.16% |
| ROLAND M CONSTANT JR3 | 3047 144TH AVENUE DORR, MI 49323 | AFLAC | $8 | — | $8 | 0.14% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $7 | — | $7 | 0.12% |
| JEFFRY A WILSON SR3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $4 | — | $4 | 0.07% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $2 | — | $2 | 0.04% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | — | $2 | 0.04% |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 175 | $1.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 691 | $254K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 175 | $1.0M |
| Other | AFLAC | 8 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 691 | — |
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.