| 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 | $7K | $515 | $7K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $4K | $25K | 11.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERITAS LIFE INSURANCE CORP | $1K | $996 | $2K | 4.29% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 877 E 16TH STREET HOLLAND, MI 49423 | AFLAC | $492 | — | $492 | 6.24% |
| NICOLE DOLPHIN3 | 3112 PLAZA DR NE, APT C20 GRAND RAPIDS, MI 49525 | AFLAC | $144 | $25 | $169 | 2.14% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $126 | — | $126 | 1.60% |
| EOWALTER3 LLC3 | 42906 SENATE PL NOVI, MI 48375 | AFLAC | $72 | $25 | $97 | 1.23% |
| CHARLES HOWARD JOBE3 | 4087 HUNTERS WAY BRUNSWICK, OH 44212 | AFLAC | $50 | — | $50 | 0.63% |
| PERRY L CALVERT3 | PO BOX 4086 HUNTSVILLE, AL 35815 | AFLAC | $44 | — | $44 | 0.56% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 4920 S OJIBWE POINT NEWAYGO, MI 49337 | AFLAC | $24 | — | $24 | 0.30% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $18 | — | $18 | 0.23% |
| DENNIS J SMITH3 | 1912 MORNINGSIDE DR NW HARTSELLE, AL 35640 | AFLAC | $18 | — | $18 | 0.23% |
| JEREMY D SAMPSEL3 | 3030 S 9TH ST STE 2K KALAMAZOO, MI 49009 | AFLAC | $13 | — | $13 | 0.16% |
| WILLIAM JOHNSON & ASSOC LLC3 | 1755 INDIAN LAKES RD CEDAR SPRINGS, MI 49319 | AFLAC | $13 | — | $13 | 0.16% |
| ERIC J CONDRON3 | 11358 WILD POND DR SE ROCKFORD, MI 49341 | AFLAC | $12 | — | $12 | 0.15% |
| SHANE TODD HOHLER3 | 9528 MCRAE PLACE CT MOBILE, AL 36695 | AFLAC | $10 | — | $10 | 0.13% |
| ROBERTA WILSON3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $9 | — | $9 | 0.11% |
| ROLAND M CONSTANT JR3 | 3047 144TH AVENUE DORR, MI 49323 | AFLAC | $8 | — | $8 | 0.10% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $7 | — | $7 | 0.09% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $6 | — | $6 | 0.08% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $5 | — | $5 | 0.06% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $5 | — | $5 | 0.06% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW, STE G HUNTSVILLE, AL 35805 | AFLAC | $4 | — | $4 | 0.05% |
| EDWARD O WALTER III3 | PO BOX 1377 GRAND RAPIDS, MI 49501 | AFLAC | $4 | — | $4 | 0.05% |
| ERIN GERKE3 | 834 LAKEVIEW DR LAKE ODESSA, MI 48849 | AFLAC | $3 | — | $3 | 0.04% |
| 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% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 78 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 186 | $1.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 683 | $284K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 493 | $220K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 493 | $220K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 186 | $1.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 493 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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.