| 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 | $35K | — | $35K | 11.75% |
| BENEFIT PROFILES INC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.50% |
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY ST MT. PLEASANT, MI 48858 | DELTA DENTAL OF MICHIGAN | $11K | $630 | $11K | 4.16% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $5K | $631 | $6K | 2.20% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY ST MT. PLEASANT, MI 48858 | VISION SERVICE PLAN | $2K | — | $2K | 2.62% |
| THE JAMES B OSWALD COMPANY3 Filed as: SANDRA R OSWALD | 4128 9 MILE RD REMUS, MI 49340 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $207 | $7K | 9.84% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $48 | $2K | 2.12% |
| SEAN NASTASE3 | 211 SPARTAN AVE EAST LANSING, MA 48823 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $45 | $1K | 1.80% |
| DAWN SELZER3 | 672 SW JADA RD PORT SANTE LUCIE, FL 34953 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $476 | — | $476 | 0.64% |
| SALLY MEAD3 | 1535 FIANNA PLACE TERR FORT SMITH, AR 72908 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.27% |
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY MT. PLEASANT, MI 48858 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | — | $188 | 0.25% |
| AMBER DASHKOVITZ3 | 1901 N FAIRFIEW AVE LANSING, MI 48912 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | $3 | $182 | 0.24% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW T NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | — | $179 | 0.24% |
| JASON L GLICK3 Filed as: JASON GLICK | 7628 GRATIOT RD RM 101 SAGINAW, MA 48609 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.16% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | PO BOX 339 BELLAIRE, MI 49615 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.15% |
| BRYAN PUNG3 | 7572 YARBERRY CT GRAND LEDGE, MI 48837 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.14% |
| TIMOHTY MEAD3 | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.11% |
| JANE E WAUGH3 Filed as: JANE WAUGH | 3951 WHEELER RD BAY CITY, MI 48706 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.08% |
| DOUGLAS M BELSER3 | 4337 E GRAND RIVER AVE STE 136 HOWELL, MI 48843 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.07% |
| DOUGLAS E FOX3 | 4784 FOREST TRL BELLAIRE, MI 49615 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.07% |
| BRADLEY J LOWRAN3 | 9553 WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.07% |
| BENJAMIN HUNTER3 | 1801 AVEBURY LN WESTFIELD, IN 46062 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.06% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.06% |
| MYRNA L MURRAY3 Filed as: MYRNA MURRAY | 2114 BOSTON BLVDE STE 2 LNASING, MI 48910 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.05% |
| SANDRA L GRIFFITH3 Filed as: SANDRA GRIFFITH | 1718 W WHITE ST BAY CITY, MI 48706 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| ART GRITZMAKER3 | 188 E SECOND ST VERMONTVILLE, MI 49096 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| DANIEL KLOPP3 Filed as: DANIEL RAY KLOPP | 1304 SMITH ST ESSEXVILLE, MI 48732 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| DOUGLAS FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| DEBORAH HOWLAND3 | 3729 JUNIPER LN VIRGINIA BEACH, VA 23456 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ | 20 MILLPOND TRL SAGINAW, MI 48603 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| SAMANTHA KIBLER3 | 6150 W MICHIGAN AVE K21 LANSING, MI 48917 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| AMY SUE MCKENZIE CRUMBAUGH3 | 5742 N STATE RD ALMA, MI 48801 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| KATHRYN JOAN MEYER3 | 4194 W PRAIRIE RD SHEPHERD, MI 48883 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| KATHY A ARNEY3 Filed as: KATHY ARNEY | 7856 135TH AVE STANWOOD, MI 49346 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| ASHELY MARIE MESSENGER3 | 41 26TH ST N BATTLE CREEK, MI 49015 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| ALAN BERGMANN3 | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| GABRIEL TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| TRACY E BIELACZYC3 Filed as: TRACY BIELACZYC | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| AG & ASSOCIATIES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| ASHLEY ANN FOX3 | 311 W ORCHARD AVE PO BOX 31 SHEPHERD, MI 48883 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| KIMBERLY RUTLEDGE3 | 2351 BEARDSLEY RD PINCKNEY, MI 48169 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 4112 W OAKELLAR AVE TAMPA, FL 33611 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MARK KUZMA3 | 11422 E ROYAL RD STANWOOD, MI 49346 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DAVID ZORN3 | 4800 FASHION SQUARE BLVD STE 485 SAGINAW, MI 48604 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| HEATHER A DOLLIVER3 | 212 W SILVER LK ROAD STE 150 FENTON, MI 48430 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| THE HORTON GROUP3 Filed as: KRISTIN HORTON | 6275 THIESEN RD ELMIRA, MI 79730 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DANIEL M WOLF3 Filed as: DANIEL WOLF | PO BOX 121 ISHPEMING, MI 49849 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| STEPHEN GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC-CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LARRY M FELTEN3 Filed as: LARRY FELTEN | 4055 STATE ST SAGINAW, MI 48603 | 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 | 694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 904 | $344K |
| Vision | VISION SERVICE PLAN | 470 | $87K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 660 | $299K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 660 | $374K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 660 | $299K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 660 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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.