| 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 | 3.48% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASECASE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $4K | $464 | $5K | 1.94% |
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY ST. MT. PLEASANT, MI 48858 | AMERICAN UNITED LIFE INSURANCE COMPANY | $26K | $5K | $32K | 14.48% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY ST MT. PLEASANT, MI 48858 | VISION SERVICE PLAN | $2K | — | $2K | 3.39% |
| THE JAMES B OSWALD COMPANY3 Filed as: SANDRA R OSWALD | 4128 9 MILE RD REMUS, MI 49340 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.79% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.76% |
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY MT. PLEASANT, MI 48858 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.55% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW T NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $349 | — | $349 | 0.79% |
| AMBER DASHKOVITZ3 | 1901 N FAIRFIEW AVE LANSING, MI 48912 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.23% |
| DOUGLAS M BELSER3 | 4337 E GRAND RIVER AVE STE 136 HOWELL, MI 48843 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.18% |
| SAMANTHA KIBLER3 | 6150 W MICHIGAN AVE K21 LANSING, MI 48917 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.17% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 4112 W OAKELLAR AVE TAMPA, FL 33611 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.14% |
| ART GRITZMAKER3 | 10016 W VERMONVILLE HWY VERMONTVILLE, MI 49096 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.07% |
| HEATHER A DOLLIVER3 | 212 W SILVER LK ROAD STE 150 FENTON, MI 48430 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.07% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.07% |
| KATHY A ARNEY3 Filed as: KATHY ARNEY | 7856 135TH AVE STANWOOD, MI 49346 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| BRADLEY J LOWRAN3 | 9553 WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BENJAMIN HUNTER3 | 1801 AVEBURY LN WESTFIELD, IN 46062 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| DOUGLAS E FOX3 | 4784 FOREST TRL BELLAIRE, MI 49615 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 438 | 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) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 656 | $280K |
| Vision | VISION SERVICE PLAN | 307 | $59K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 442 | $218K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 442 | $262K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 442 | $218K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 442 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.