| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AJ BENEFITS INC3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 46168 | AFLAC | $3K | $109 | $3K | 4.45% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 15020 | AFLAC | $2K | $90 | $2K | 2.26% |
| CHARLES V GLAUB3 Filed as: CHARLES GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $697 | — | $697 | 0.97% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $419 | — | $419 | 0.58% |
| RICHARD SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $234 | $79 | $313 | 0.44% |
| GABRIEL TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $239 | — | $239 | 0.33% |
| KIMBERLY M MCNULTY3 Filed as: KIMBERLY MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $206 | — | $206 | 0.29% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2220 RIVER ROAD SUITE 200 MARYSVILLE, MI 46040 | AFLAC | $134 | — | $134 | 0.19% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $133 | — | $133 | 0.19% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $132 | — | $132 | 0.18% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $108 | — | $108 | 0.15% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $95 | — | $95 | 0.13% |
| DJA, INC.3 Filed as: DJA BENEFITS INC | 6294 PEPPER HILL ST WEST BLOOMFIELD, MI 48322 | AFLAC | $74 | — | $74 | 0.10% |
| GLH BENEFITS INC3 | 29755 MACKENZIE CIR W WARREN, MI 48092 | AFLAC | $59 | — | $59 | 0.08% |
| DENNIS BELGER3 | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $48 | — | $48 | 0.07% |
| TRACEY KEISER3 | 8181 E KAISER BLVD ANAHEIM, CA 92808 | AFLAC | $44 | — | $44 | 0.06% |
| SPAZ AND GLAUB ENTERPRISES3 Filed as: SPAZ & GLAUB ENTERPRISES | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $40 | — | $40 | 0.06% |
| KEN MAJOR3 | — | AFLAC | $22 | — | $22 | 0.03% |
| JESSICA R MAJOR3 Filed as: JESSICA MAJOR | 19784 MERRIMAN RD LIVONIA, MI 48152 | AFLAC | $21 | — | $21 | 0.03% |
| RHONDA A DRESNER3 Filed as: RHONDA DRESNER | 4 BENNETT ST WOBURN, MA 01801 | AFLAC | $21 | — | $21 | 0.03% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX602 CONCORD, MI 49237 | AFLAC | $18 | — | $18 | 0.03% |
| MICHAEL C WALKER2 Filed as: MICHAEL TRUDEAU | 30229 SCHOENHERR RD STE 100 WARREN, MI 48088 | AFLAC | $18 | — | $18 | 0.03% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $17 | — | $17 | 0.02% |
| BRUCE HOHLER3 | 2658 PANTALL RD THOMPSONS STATION, TN 37179 | AFLAC | $12 | — | $12 | 0.02% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $12 | — | $12 | 0.02% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $10 | — | $10 | 0.01% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $8 | — | $8 | 0.01% |
| DAPHANE LEE3 | — | AFLAC | $7 | — | $7 | 0.01% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $7 | — | $7 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $5 | — | $5 | 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 | $4 | — | $4 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $1 | — | $1 | 0.00% |
| TERRI PEASE3 Filed as: TERRI PAINE | 424 HUME BLVD LANSING, MI 48917 | AFLAC | $1 | — | $1 | 0.00% |
| DIANE SANDERS3 | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $1 | — | $1 | 0.00% |
| KERRY L DAVIDSON3 Filed as: KERRY DAVIDSON | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 48168 | AFLAC | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | GUARDIAN | $5K | $3K | $9K | 16.00% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AFLAC | 124 | $126K |
| Short-term disability | GUARDIAN | 124 | $54K |
| Long-term disability | GUARDIAN | 124 | $54K |
| Other | GUARDIAN | 124 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.