| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY ST MT. PLEASANT, MI 48858 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 3.95% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASECASE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 2.20% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY MT. PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $8K | — | $8K | 6.23% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD, SE STE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 2.80% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCADE WEST PARKWAY, SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $386 | — | $386 | 0.31% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY MT. PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD, SE SUITE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 6.75% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCADE WEST PARKWAY, SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $555 | — | $555 | 0.75% |
| THE JAMES B OSWALD COMPANY3 Filed as: SANDRA R OSWALD | 4128 9 MILE RD REMUS, MI 49340 | AFLAC | $4K | $170 | $4K | 6.93% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $935 | $34 | $969 | 1.59% |
| DAWN SELZER3 Filed as: DAWN M SELZER | 14493 68TH DR N PALM BEACH GARDENS, FL 33418 | AFLAC | $881 | — | $881 | 1.45% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW T NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | AFLAC | $255 | — | $255 | 0.42% |
| KATHY A ARNEY3 | 7856 125TH AVE STANWOOD, MI 49346 | AFLAC | $232 | $8 | $240 | 0.40% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72901 | AFLAC | $230 | — | $230 | 0.38% |
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY MT. PLEASANT, MI 48858 | AFLAC | $227 | — | $227 | 0.37% |
| DOUGLAS MARTIN BELSER3 | 4337 E GRAND RIVER AVE STE 136 HOWELL, MI 48843 | AFLAC | $221 | $2 | $223 | 0.37% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $143 | — | $143 | 0.24% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $132 | — | $132 | 0.22% |
| BRYAN PUNG3 | 7572 YARBERRY CT GRAND LEDGE, MI 48837 | AFLAC | $117 | — | $117 | 0.19% |
| JANE E WAUGH3 | 395 BACON RD SAGINAW, ME 48609 | AFLAC | $102 | — | $102 | 0.17% |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $96 | — | $96 | 0.16% |
| BENJAMIN HUNTER3 | 735 S GARFIELD AVE STE 203 TRAVERS CITY, MI 49686 | AFLAC | $87 | — | $87 | 0.14% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $70 | — | $70 | 0.12% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $65 | $2 | $67 | 0.11% |
| ART GRITZMAKER3 | 10016 W VERMONTVILLE HWY VERMONTVILLE, MI 49096 | AFLAC | $66 | — | $66 | 0.11% |
| AMBER DASHKOVITZ3 | 1901 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $64 | — | $64 | 0.11% |
| AMY SUE BALL3 | 530 NORTON GIBBS DR ITHACA, MI 48847 | AFLAC | $59 | — | $59 | 0.10% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE STE 2013 TRAVERSE CITY, MI 49686 | AFLAC | $55 | — | $55 | 0.09% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $53 | — | $53 | 0.09% |
| ASHLEY ANN FOX3 | 311 W ORCHARD AVE PO BOX 31 SHEPHERD, MI 48883 | AFLAC | $52 | — | $52 | 0.09% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $50 | — | $50 | 0.08% |
| SAMANTH KIBLER3 | 6150 W MICHIGAN AVE APT K21 LANSING, MI 48917 | AFLAC | $45 | $2 | $47 | 0.08% |
| GREGORY G WAY3 | 6000 E EVANS AVE STE 1-330 DENVER, CO 80222 | AFLAC | $37 | — | $37 | 0.06% |
| DANIEL KLOPP3 Filed as: DANIEL RAY KLOPP | 1303 SMITH ST ESSEXVILLE, MI 48732 | AFLAC | $33 | — | $33 | 0.05% |
| DEBORAH M FOERSTER3 | 1615 WOODBROOK ST APT 109 EAST LANSING, MI 48823 | AFLAC | $25 | — | $25 | 0.04% |
| RONALD A DASHKOVITZ3 | 20 MILLPOND TRL SAGINAW, ME 48603 | AFLAC | $24 | — | $24 | 0.04% |
| SANDRA L GRIFFITH3 | 1718 W WHITE ST BAY CITY, MI 48706 | AFLAC | $24 | — | $24 | 0.04% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, MI 46062 | AFLAC | $24 | — | $24 | 0.04% |
| ALAN BERGMANN3 | 707 PRUDDEN ST UNIT 101 LANSING, MI 48906 | AFLAC | $20 | — | $20 | 0.03% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $17 | — | $17 | 0.03% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $16 | — | $16 | 0.03% |
| DAVID M ZORN3 | 3764 FASHION SQUARE BLVD SAGINAW, MI 48603 | AFLAC | $13 | — | $13 | 0.02% |
| GABRIEL TORREZ3 | 38615 SILKEN GLEN DR NORTHVILLE, MI 48167 | AFLAC | $13 | — | $13 | 0.02% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 707 17TH ST STE 3700 DENVER, CO 80202 | AFLAC | $13 | — | $13 | 0.02% |
| DAVID ZORN3 | 4800 FASHION SQUARE BLVD STE 485 SAGINAW, MI 48604 | AFLAC | $13 | — | $13 | 0.02% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, ME 48380 | AFLAC | $10 | — | $10 | 0.02% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 11829 OLDEGROVE PL TAMPA, FL 33617 | AFLAC | $9 | — | $9 | 0.01% |
| KIMBERLEE K RUTLEDGE3 | 34 PIKE BRIGHTON, MI 48114 | AFLAC | $9 | — | $9 | 0.01% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $7 | — | $7 | 0.01% |
| LARRY M FELTEN3 | 4055 STATE ST SAGINAW, MI 48603 | AFLAC | $7 | — | $7 | 0.01% |
| MARK KUZMA3 | 8496 HIGHLAND TRL STANWOOD, MI 49346 | AFLAC | $6 | — | $6 | 0.01% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $6 | — | $6 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.01% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $5 | — | $5 | 0.01% |
| MARK A LINSNER3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $5 | — | $5 | 0.01% |
| ARECEL MAY ROXAS3 | 2311 E JOLLY RD APT 10 LANSING, MI 48910 | AFLAC | $5 | — | $5 | 0.01% |
| DANIEL M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $4 | — | $4 | 0.01% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN RD ELMIRA, ME 49730 | AFLAC | $4 | — | $4 | 0.01% |
| RANDALL L KIMBLER3 Filed as: RANDALL L KIBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $3 | — | $3 | 0.00% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $3 | — | $3 | 0.00% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MN 48063 | AFLAC | $2 | — | $2 | 0.00% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.00% |
| TINA WAY3 | 15550 E COOPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.00% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY ST MT. PLEASANT, MI 48858 | VISION SERVICE PLAN | $2K | — | $2K | 3.39% |
| GENERAL AGENCY COMPANY3 | 525 EAST BROADWAY MT. PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 16.32% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PKWY SE GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 7.34% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCADE WEST PARKWAY, SUITE 160 GRAND RAPIDS, MI 40546 | COMPANION LIFE INSURANCE COMPANY | $141 | — | $141 | 0.81% |
| GENERAL AGENCY COMPANY3 | 525 EAST BROADWAY MT PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 11.43% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD SE SUITE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $848 | — | $848 | 5.14% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCASE WEST PARKWAY, SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $94 | — | $94 | 0.57% |
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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 688 | $264K |
| Vision | VISION SERVICE PLAN | 317 | $59K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 439 | $90K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 413 | $185K |
| Long-term disability(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 413 | $215K |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 439 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.