| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY ST. MT. PLEASANT, MI 48858 | AMERICAN UNITED LIFE INSURANCE COMPANY | $25K | $21K | $46K | 21.50% |
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY ST MT. PLEASANT, MI 48858 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 4.00% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $4K | $589 | $5K | 2.28% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY ST MT. PLEASANT, MI 48858 | VISION SERVICE PLAN | $2K | — | $2K | 3.28% |
| AMANDA M GRIFFITH3 Filed as: AMANDA DICKEY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.26% |
| JORDAN DYNAMICS3 Filed as: JORDAN VANHOOSE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.36% |
| DEANE JEWETT3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.42% |
| TAMMY A MORGART3 Filed as: TAMMY HARRELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $766 | — | $766 | 1.43% |
| RYAN BENEFITS INC3 Filed as: RYAN CLASSENS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $633 | — | $633 | 1.18% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA JEWETT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $547 | — | $547 | 1.02% |
| MARK METTILLE3 Filed as: MARK TRUSS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $485 | — | $485 | 0.91% |
| ANGELA MASSARELLI3 Filed as: ANGELA POPELAR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $255 | — | $255 | 0.48% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK FEYERTAG | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $244 | — | $244 | 0.46% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY VANZYTVELD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $75 | — | $75 | 0.14% |
| BLAKE V WELLER3 Filed as: BLAKE ROACH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $34 | — | $34 | 0.06% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN HUDSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$140 | — | -$140 | -0.26% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY WOOD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$380 | — | -$380 | -0.71% |
| THE JAMES B OSWALD COMPANY3 Filed as: SANDRA R OSWALD | 4128 9 MILE RD REMUS, MI 49340 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.41% |
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY MT. PLEASANT, MI 48858 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $969 | — | $969 | 2.37% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $877 | — | $877 | 2.14% |
| ART GRITZMAKER3 | 10016 W VERMONVILLE HWY VERMONTVILLE, MI 49096 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | — | $217 | 0.53% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW T NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | — | $195 | 0.48% |
| AMBER DASHKOVITZ3 | 1901 N FAIRFIEW AVE LANSING, MI 48912 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | — | $153 | 0.37% |
| DOUGLAS M BELSER3 | 4337 E GRAND RIVER AVE STE 136 HOWELL, MI 48843 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.10% |
| SAMANTHA KIBLER3 | 6150 W MICHIGAN AVE K21 LANSING, MI 48917 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.10% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 4112 W OAKELLAR AVE TAMPA, FL 33611 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.08% |
| HEATHER A DOLLIVER3 | 212 W SILVER LK ROAD STE 150 FENTON, MI 48430 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| KATHY A ARNEY3 Filed as: KATHY ARNEY | 7856 135TH AVE STANWOOD, MI 49346 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| BRADLEY J LOWRAN3 | 9553 WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| BENJAMIN HUNTER3 | 1801 AVEBURY LN WESTFIELD, IN 46062 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 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 | 415 | 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) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 656 | $251K |
| Vision | VISION SERVICE PLAN | 334 | $59K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 472 | $266K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 472 | $254K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 472 | $213K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 472 | $254K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.