| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AJ BENEFITS INC3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 46168 | AFLAC | $3K | $165 | $3K | 5.41% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 15020 | AFLAC | $1K | $97 | $1K | 2.02% |
| CHARLES V GLAUB3 Filed as: CHARLES GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $835 | $52 | $887 | 1.49% |
| THE HORTON GROUP3 Filed as: LINDA HORTON | 2700 N MAIN ST STE 620 SANTA ANA, CA 92705 | AFLAC | $791 | — | $791 | 1.33% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $501 | $52 | $553 | 0.93% |
| RICHARD SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $350 | — | $350 | 0.59% |
| KIMBERLY M MCNULTY3 Filed as: KIMBERLY MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $166 | — | $166 | 0.28% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $140 | — | $140 | 0.24% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $128 | — | $128 | 0.22% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2220 RIVER ROAD SUITE 200 MARYSVILLE, MI 46040 | AFLAC | $102 | — | $102 | 0.17% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $99 | — | $99 | 0.17% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $97 | — | $97 | 0.16% |
| DJA, INC.3 Filed as: DJA BENEFITS INC | 6294 PEPPER HILL ST WEST BLOOMFIELD, MI 48322 | AFLAC | $81 | — | $81 | 0.14% |
| GLH BENEFITS INC3 | 29755 MACKENZIE CIR W WARREN, MI 48092 | AFLAC | $59 | — | $59 | 0.10% |
| DENNIS BELGER3 | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $48 | — | $48 | 0.08% |
| RHONDA A DRESNER3 Filed as: RHONDA DRESNER | 4 BENNETT ST WOBURN, MA 01801 | AFLAC | $44 | — | $44 | 0.07% |
| SPAZ AND GLAUB ENTERPRISES3 Filed as: SPAZ & GLAUB ENTERPRISES | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $41 | — | $41 | 0.07% |
| TRACEY KEISER3 | 8181 E KAISER BLVD ANAHEIM, CA 92808 | AFLAC | $40 | — | $40 | 0.07% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 Filed as: MICHIGAN ACCOUNT SERVICE TEAM INC. | 2218 RIVER RD STE 200 MARYLAND, MI 48040 | AFLAC | $32 | — | $32 | 0.05% |
| KERRY L DAVIDSON3 Filed as: KERRY DAVIDSON | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | AFLAC | $19 | — | $19 | 0.03% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $18 | — | $18 | 0.03% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX602 CONCORD, MI 49237 | AFLAC | $17 | — | $17 | 0.03% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $12 | — | $12 | 0.02% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $12 | — | $12 | 0.02% |
| BRUCE HOHLER3 | 2658 PANTALL RD THOMPSONS STATION, TN 37179 | AFLAC | $12 | — | $12 | 0.02% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $9 | — | $9 | 0.02% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $7 | — | $7 | 0.01% |
| TRACEY KEISER3 | 400 S PERALTA HILLS DR ANAHEIM, CA 92807 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.01% |
| MICHELLE J HALLER3 Filed as: MICHELLE CALVIN | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $3 | — | $3 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $2 | — | $2 | 0.00% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS W RINGWALD3 Filed as: THOMAS WRINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AFLAC | 63 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 63 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.