| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT V. WEILAND3 Filed as: ROBERT V WEILAND | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 3.81% |
| KAPNICK & COMPANY, INC.3 | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | — | $859 | $859 | 0.14% |
| ROBERT V. WEILAND3 Filed as: ROBERT V WEILAND | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 6.35% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $823 | $823 | 1.11% |
| CINDY R COTE3 | 14960 OLD GRADE RD THOMPSONVILLE, MI 49683 | AFLAC | $3K | $150 | $3K | 4.55% |
| WENDY LYNN WITT3 | 1157 BOOTH STREET HOWELL, MI 48843 | AFLAC | $2K | $150 | $2K | 2.80% |
| RENEE M TRUDEAU3 | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | AFLAC | $420 | $62 | $482 | 0.73% |
| JOEDDA J GARDNER FIELDS3 | 32916 KELLY BLVD. BROWNSTOWN, MI 48173 | AFLAC | $337 | $62 | $399 | 0.60% |
| LIVINGSTON INSURANCE AGENCY LLC3 | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $336 | — | $336 | 0.51% |
| ANDREW J LOEWEN3 | 1103 SCHROCK RD STE 303 COLUMBUS, OH 43229 | AFLAC | $273 | — | $273 | 0.41% |
| BRANDON S WILSON3 | 4946 YAX POINTE DR HOWELL, MI 48304 | AFLAC | $205 | — | $205 | 0.31% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $118 | — | $118 | 0.18% |
| JENNIFER A WILSON3 | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $63 | — | $63 | 0.09% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER, SUITE 110 PMB 292 BRIGHTON, MI 48116 | AFLAC | $63 | — | $63 | 0.09% |
| STEPHANIE L KESSELRING3 | 10181 114TH TER LARGO, FL 33773 | AFLAC | $59 | — | $59 | 0.09% |
| LARRY E KESSELRING3 | 5879 FORESTAL DRIVE WATERFORD, MI 48327 | AFLAC | $53 | — | $53 | 0.08% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $41 | — | $41 | 0.06% |
| DILLON ENGLAND3 | 310 MERRIMONT DR MC COMB, OH 45858 | AFLAC | $40 | — | $40 | 0.06% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $28 | — | $28 | 0.04% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $19 | — | $19 | 0.03% |
| CYNTHIA A LAFOUNTAIN3 | 9210 MIDDLETON RD OVID, MI 48866 | AFLAC | $17 | — | $17 | 0.03% |
| SHAUN M KLUG3 | 48187 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $15 | — | $15 | 0.02% |
| LARRY E KESSELRING3 Filed as: LARRY E. KESSELRING | 5230 HABERSHAM HILLS DR SUWANEE, GA 30024 | AFLAC | $13 | — | $13 | 0.02% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $12 | — | $12 | 0.02% |
| SPAZ AND GLAUB ENTERPRISES3 | 535 SANCTUARY DR. APT 202 LONG BOAT KEY, FL 34228 | AFLAC | $10 | — | $10 | 0.02% |
| MARC D BARNES3 | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $8 | — | $8 | 0.01% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH LUANNE WALTER | 6750 N ANDREWS AVE, SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $7 | — | $7 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER, JR | 4105 MILLSTREAM RD DENVER, NC 28037 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES BULLOCK3 | 6144 W LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $4 | — | $4 | 0.01% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $4 | — | $4 | 0.01% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $4 | — | $4 | 0.01% |
| RANDALL L KIMBLER3 | P.O. BOX 302 HESPERIA, MI 49421 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $3 | — | $3 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.00% |
| MATTHEW MICHALIK3 | 5205 VAN WINKLE ST BRIGHTON, MI 48116 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE R CALVIN3 Filed as: MICHELLE R. CALVIN | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $1 | — | $1 | 0.00% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $1 | — | $1 | 0.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $501 | $4K | 15.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 138 | $705K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 138 | $74K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 138 | $74K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 126 | $91K |
| Short-term disability | AFLAC | 48 | $66K |
| Long-term disability | AFLAC | 48 | $66K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 138 | $705K |
| Other(2 contracts, 2 carriers) | AFLAC | 126 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.