| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMILY BLACKBURN3 | 525 E BROADWAY ST MT PLEASANT, MI 48858 | KANSAS CITY LIFE INSURANCE COMPANY | $47K | — | $47K | 13.82% |
| GENERAL AGENCY COMPANY3 Filed as: GENERAL AGENCY KAP, LLC | 525 E BROADWAY ST MT PLEASANT, MI 48858 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 4.09% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PKWY GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $5K | $738 | $6K | 2.34% |
| THE JAMES B OSWALD COMPANY3 Filed as: SANDRA R OSWALD | 4128 9 MILE RD REMUS, MI 49340 | AFLAC | $8K | $454 | $8K | 7.85% |
| CASEY PUCKETT3 | 1099 PEACHTREE CT MOUNT PLEASANT, MI 48858 | AFLAC | $5K | $308 | $5K | 5.19% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $3K | $149 | $3K | 2.73% |
| TARYN DUNN3 | PO BOX 404 HONOR, MI 49640 | AFLAC | $1K | $294 | $1K | 1.38% |
| STACY DELONGE3 | 2009 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $1K | $95 | $1K | 1.18% |
| SEAN NASTASE3 | 108 RESIDENCES LN UNIT 103 CHARLESTON, SC 29414 | AFLAC | $809 | $108 | $917 | 0.87% |
| DAWN SELZER3 Filed as: DAWN M SELZER | 672 SW JADA RD PORT SAINT LUCIE, FL 34953 | AFLAC | $464 | — | $464 | 0.44% |
| BROOKE LAUREN ANTHONY3 | 687 E BROADWAY MILFORD, CT 06460 | AFLAC | $182 | — | $182 | 0.17% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $180 | — | $180 | 0.17% |
| GENERAL AGENCY COMPANY3 Filed as: THE GENERAL AGENCY KAP LLC | 525 E BROADWAY ST MT PLEASANT, MI 48858 | AFLAC | $173 | — | $173 | 0.17% |
| MATTHEW THOMAS NEMODE3 | 815 E MIDLAND ST BAY CITY, MI 48706 | AFLAC | $156 | — | $156 | 0.15% |
| AMBER DASHKOVITZ3 Filed as: AMBER DAWN DASHKOVITZ | 1901 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $151 | — | $151 | 0.14% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $106 | — | $106 | 0.10% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $103 | — | $103 | 0.10% |
| BRYAN PUNG3 | 7572 YARBERRY CT GRAND LEDGE, MI 48837 | AFLAC | $84 | — | $84 | 0.08% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE RD ALDEN, MI 49612 | AFLAC | $61 | — | $61 | 0.06% |
| KATHY A ARNEY3 | 7856 135TH AVE STANWOOD, MI 49346 | AFLAC | $58 | — | $58 | 0.06% |
| JANE E WAUGH3 | 3951 WHEELER RD BAY CITY, MI 48706 | AFLAC | $55 | — | $55 | 0.05% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $43 | — | $43 | 0.04% |
| DOUGLAS MARTIN BELSER3 | 26211 INDIANA AVE NOVI, MI 48374 | AFLAC | $42 | — | $42 | 0.04% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $41 | — | $41 | 0.04% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $41 | — | $41 | 0.04% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $39 | — | $39 | 0.04% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $39 | — | $39 | 0.04% |
| MONTANA TOMPKINS3 | 6301 GARDENIA AVE LANSING, MI 48911 | AFLAC | $36 | — | $36 | 0.03% |
| SANDRA L GRIFFITH3 | 1718 W WHITE ST BAY CITY, MI 48706 | AFLAC | $32 | — | $32 | 0.03% |
| DEBORAH M HOWLAND3 | 12501 COUNTRY DAY CIR FORT MYERS, FL 33913 | AFLAC | $24 | — | $24 | 0.02% |
| RONALD A DASHKOVITZ3 | 20 MILLPOND TRL SAGINAW, ME 48603 | AFLAC | $23 | — | $23 | 0.02% |
| AMY SUE MCKENZIE CRUMBAUGH3 | 9888 LAKESIDE DR PERRINTON, MI 48871 | AFLAC | $23 | — | $23 | 0.02% |
| SAMANTHA KIBLER3 | 4561 CARSKADDON AVE TOLEDO, OH 43615 | AFLAC | $21 | — | $21 | 0.02% |
| DANIEL KLOPP3 Filed as: DANIEL RAY KLOPP | 1304 SMITH ST ESSEXVILLE, MI 48732 | AFLAC | $19 | — | $19 | 0.02% |
| GABRIEL G TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $17 | — | $17 | 0.02% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR UNIT 101 THE VILLAGES, FL 32162 | AFLAC | $16 | — | $16 | 0.02% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY MARIE MESSENGER | 41 26TH ST N BATTLE CREEK, MI 49015 | AFLAC | $15 | — | $15 | 0.01% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $12 | — | $12 | 0.01% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $12 | — | $12 | 0.01% |
| ASHLEY ANN FOX3 | PO BOX 31 311 W ORCHARD AVE SHEPHERD, MI 48883 | AFLAC | $12 | — | $12 | 0.01% |
| ART GRITZMAKER3 | 188 E 2ND ST VERMONTVILLE, MI 49096 | AFLAC | $12 | — | $12 | 0.01% |
| KIMBERLEE K RUTLEDGE3 | 2351 BEARDSLEY DR PINCKNEY, MI 48169 | AFLAC | $11 | — | $11 | 0.01% |
| GREGORY CRAWFORD3 | PO BOX 1471 MIDLAND, MI 48641 | AFLAC | $10 | — | $10 | 0.01% |
| STEPHANIE L KESSELRING3 | 3059 MOUNTAIN LAUREL TRL CANTONMENT, FL 32533 | AFLAC | $8 | — | $8 | 0.01% |
| MARK A LINSNER3 | 1712 AUSTIN LN UNIT 604 ST AUGUSTINE, FL 32092 | AFLAC | $6 | — | $6 | 0.01% |
| DAVID M ZORN3 | 1258 S WASHINGTON AVE SAGINAW, MI 48601 | AFLAC | $5 | — | $5 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.00% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $4 | — | $4 | 0.00% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 2644 MCMICHAEL RD ALANSON, MI 49706 | AFLAC | $4 | — | $4 | 0.00% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $3 | — | $3 | 0.00% |
| MONTANA TOMPKINS3 | 3615 CALLIHAN CT LANSING, MI 48910 | AFLAC | $3 | — | $3 | 0.00% |
| MARK KUZMA3 | 11422 E ROYAL RD STANWOOD, MI 49346 | AFLAC | $2 | — | $2 | 0.00% |
| LARRY M FELTEN3 | PO BOX 6505 SAGINAW, MI 48608 | AFLAC | $2 | — | $2 | 0.00% |
| DANIEL M WOLF3 | PO BOX 121 ISHPEMING, MI 49849 | AFLAC | $2 | — | $2 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $2 | — | $2 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $1 | — | $1 | 0.00% |
| GENERAL AGENCY COMPANY3 Filed as: GENERAL AGENCY KAP LLC | 525 E BROADWAY ST MOUNT PLEASANT, MI 48858 | VISION SERVICE PLAN | $2K | — | $2K | 2.75% |
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 | 998 | 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) | 998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 781 | $361K |
| Vision | VISION SERVICE PLAN | 393 | $82K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 517 | $338K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 517 | $443K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 517 | $338K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 517 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.