| 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 | — | $7K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 2.02% |
| 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 | 4.36% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 CESAR E CHAVEZ AVE STE 300 GRAND RAPIDS, MI 49503 | AFLAC | $137 | — | $137 | 2.02% |
| NICOLE DOLPHIN3 | 5314 QUEST DR SW WYOMING, MI 49418 | AFLAC | $116 | — | $116 | 1.71% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $102 | — | $102 | 1.50% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GRP AN ALERA GRP AGY LLC | 56 CESAR E CHAVEZ AVE SW STE 300 GRAND RAPIDS, MI 49503 | AFLAC | $99 | — | $99 | 1.46% |
| LISA BLANCHARD3 | 12084 BLUE SPRUCE CT NE ROCKFORD, MI 49341 | AFLAC | $55 | — | $55 | 0.81% |
| EDWARD O WALTER III3 | PO BOX 1377 NOVI, MI 48376 | AFLAC | $48 | — | $48 | 0.71% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $28 | — | $28 | 0.41% |
| CHARLES HOWARD JOBE3 | 8421 EVERGREEN DR NORTHFIELD, OH 44067 | AFLAC | $25 | — | $25 | 0.37% |
| JEFFREY P POLS3 | 5567 MADISON AVE HUDSONVILLE, MI 49426 | AFLAC | $20 | — | $20 | 0.30% |
| PERRY L CALVERT3 | PO BOX 4086 HUNTSVILLE, AL 35815 | AFLAC | $15 | — | $15 | 0.22% |
| JEREMY D SAMPSEL3 | 10438 N 6TH ST OTSEGO, MI 49078 | AFLAC | $13 | — | $13 | 0.19% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRL CEDAR SPRINGS, MI 49319 | AFLAC | $12 | — | $12 | 0.18% |
| WILLIAM JOHNSON & ASSOC LLC3 | 2922 FULLER AVE NE #202 GRAND RAPIDS, MI 49505 | AFLAC | $11 | — | $11 | 0.16% |
| SHANE TODD HOHLER3 | 9528 MCRAE PLACE CT MOBILE, AL 36695 | AFLAC | $10 | — | $10 | 0.15% |
| ROBERTA WILSON3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $9 | — | $9 | 0.13% |
| ROLAND M CONSTANT JR3 | 3047 144TH AVENUE DORR, MI 49323 | AFLAC | $8 | — | $8 | 0.12% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $7 | — | $7 | 0.10% |
| DENNIS J SMITH3 | 1912 MORNINGSIDE DR NW HARTSELLE, AL 35640 | AFLAC | $6 | — | $6 | 0.09% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $5 | — | $5 | 0.07% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $5 | — | $5 | 0.07% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 4920 S OJIBWE POINT NEWAYGO, MI 49337 | AFLAC | $4 | — | $4 | 0.06% |
| LINDSAY PIPER3 | 10918 12TH AVE NW GRAND RAPIDS, MI 49534 | AFLAC | $2 | — | $2 | 0.03% |
| RANDALL L KIMBLER3 Filed as: RANDALL L KIMBER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.01% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | 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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 171 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 200 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 619 | $271K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 530 | $195K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 530 | $195K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 200 | $1.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 530 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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.