| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY ST MT. PLEASANT, MI 48858 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 3.92% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE RD SE SUITE 106 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 1.96% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY MT. PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 6.95% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD, SE STE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 3.47% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY MT. PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD, SE SUITE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
| GREGORY G WAY3 | 6000 E EVANS AVE STE 1-330 DENVER, CO 80222 | AFLAC | $380K | — | $380K | 511.35% |
| THE JAMES B OSWALD COMPANY3 Filed as: SANDRA R OSWALD | 4128 9 MILE RD REMUS, MI 49340 | AFLAC | $4K | $18 | $4K | 5.27% |
| KATHY A ARNEY3 | 7856 125TH AVE STANWOOD, MI 49346 | AFLAC | $1K | $57 | $1K | 1.92% |
| DAWN SELZER3 Filed as: DAWN M SELZER | 14493 68TH DR N PALM BEACH GARDENS, FL 33418 | AFLAC | $1K | — | $1K | 1.59% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $1K | — | $1K | 1.55% |
| JANE E WAUGH3 | 395 BACON RD SAGINAW, ME 48609 | AFLAC | $626 | $35 | $661 | 0.89% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW T NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | AFLAC | $469 | — | $469 | 0.63% |
| BENJAMIN HUNTER3 | 735 S GARFIELD AVE STE 203 TRAVERS CITY, MI 49686 | AFLAC | $357 | $11 | $368 | 0.49% |
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY MT. PLEASANT, MI 48858 | AFLAC | $318 | — | $318 | 0.43% |
| AMBER DASHKOVITZ3 | 1901 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $307 | — | $307 | 0.41% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72901 | AFLAC | $305 | — | $305 | 0.41% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $233 | $11 | $244 | 0.33% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $177 | — | $177 | 0.24% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $175 | — | $175 | 0.24% |
| BRYAN PUNG3 | 7572 YARBERRY CT GRAND LEDGE, MI 48837 | AFLAC | $146 | — | $146 | 0.20% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $133 | — | $133 | 0.18% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $110 | — | $110 | 0.15% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $87 | — | $87 | 0.12% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $83 | — | $83 | 0.11% |
| JOAN M MCCORMICK3 | 10430 E GRANDVIEW RD TRAVERSE CITY, MI 49864 | AFLAC | $62 | — | $62 | 0.08% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $56 | — | $56 | 0.08% |
| BETH J. SOMMERS3 Filed as: BETH J SOMMERS | 1830 HANDLEY ST SAGINAW, MI 48602 | AFLAC | $38 | $4 | $42 | 0.06% |
| RONALD A DASHKOVITZ3 | 20 MILLPOND TRL SAGINAW, ME 48603 | AFLAC | $38 | — | $38 | 0.05% |
| MARK KUZMA3 | 8496 HIGHLAND TRL STANWOOD, MI 49346 | AFLAC | $34 | — | $34 | 0.05% |
| DEBORAH M FOERSTER3 | 1615 WOODBROOK ST APT 109 EAST LANSING, MI 48823 | AFLAC | $29 | — | $29 | 0.04% |
| SANDRA L GRIFFITH3 | 1718 W WHITE ST BAY CITY, MI 48706 | AFLAC | $29 | — | $29 | 0.04% |
| RICHARD P SOMMERS3 | 1830 HANDLEY ST SAGINAW, MI 48602 | AFLAC | $24 | $4 | $28 | 0.04% |
| AMY SUE BALL3 | 530 NORTON GIBBS DR ITHACA, MI 48847 | AFLAC | $26 | — | $26 | 0.03% |
| MIKE MCCORMICK3 Filed as: MIKE HOOVER | 206 LAKE ST ELK RAPIDS, MI 49629 | AFLAC | $22 | — | $22 | 0.03% |
| GABRIEL TORREZ3 | 38615 SILKEN GLEN DR NORTHVILLE, MI 48167 | AFLAC | $17 | — | $17 | 0.02% |
| CAREN RUTH LIEBERMAN3 | 4406 MAR MOOR DR LANSING, MI 48917 | AFLAC | $15 | — | $15 | 0.02% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 707 17TH ST STE 3700 DENVER, CO 80202 | AFLAC | $14 | — | $14 | 0.02% |
| KIMBERLEE K RUTLEDGE3 | 34 PIKE BRIGHTON, MI 48114 | AFLAC | $10 | — | $10 | 0.01% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 11829 OLDEGROVE PL TAMPA, FL 33617 | AFLAC | $10 | — | $10 | 0.01% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $10 | — | $10 | 0.01% |
| SAMANTHA KIBLER3 | 6150 W MICHIGAN AVE APT K21 LANSING, MI 48917 | AFLAC | $8 | — | $8 | 0.01% |
| JONATHAN KIRKLAND3 Filed as: JONATHAN SAMUEL KIRLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $7 | — | $7 | 0.01% |
| MARK A LINSNER3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $6 | — | $6 | 0.01% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $5 | — | $5 | 0.01% |
| ALAN BERGMANN3 | 707 PRUDDEN ST UNIT 101 LANSING, MI 48906 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID M ZORN3 | 3764 FASHION SQUARE BLVD SAGINAW, MI 48603 | AFLAC | $4 | — | $4 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 22930 E 9 MILE RD ST. CLAIR SHORES, MI 48080 | AFLAC | $4 | — | $4 | 0.01% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVRESE CITY, MI 49696 | AFLAC | $4 | — | $4 | 0.01% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $3 | — | $3 | 0.00% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, ME 48380 | AFLAC | $3 | — | $3 | 0.00% |
| LARRY M FELTEN3 | 4055 STATE ST SAGINAW, MI 48603 | AFLAC | $2 | — | $2 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $1 | — | $1 | 0.00% |
| DANIEL M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $1 | — | $1 | 0.00% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, ME 49730 | AFLAC | $1 | — | $1 | 0.00% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DR STE 600 OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.00% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY ST MT. PLEASANT, MI 48858 | VISION SERVICE PLAN | $2K | — | $2K | 3.67% |
| THE JAMES B OSWALD COMPANY3 Filed as: SANDRA R OSWALD | 4128 NINE MILE RD REMUS, MI 49340 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.90% |
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY MT. PLEASANT, MI 48858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.20% |
| RONALD A DASHKOVITZ3 | 1901 N FAIRFIEW AVE LANSING, MI 48912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.11% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW T NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $610 | — | $610 | 1.23% |
| AMBER DASHKOVITZ3 Filed as: AMBER D DASHKOVITZ | 1901 N FAIRVIEW AVE LANSING, MI 48912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | — | $397 | 0.80% |
| KATHY A ARNEY3 | 7856 125TH AVE STANWOOD, MI 49346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $227 | — | $227 | 0.46% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.20% |
| BENJAMIN HUNTER3 | 11193 GUY ST FISHER, IN 46038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.12% |
| HEATHER A DOLLIVER3 | 212 W SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.10% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.10% |
| DOUGLAS E FOX3 Filed as: DOUGLAS | 4784 FOREST TRL BELLAIRE, MI 49615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.08% |
| GENERAL AGENCY COMPANY3 | 525 EAST BROADWAY MT PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 11.50% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD SE SUITE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $904 | — | $904 | 5.75% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 637 | $260K |
| Vision | VISION SERVICE PLAN | 278 | $51K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 413 | $152K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 384 | $177K |
| Long-term disability(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 384 | $189K |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 413 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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."
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.