| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AJ BENEFITS INC3 | 7866 SLEEPY HOLLOW DR NORTHVILLE, MI 46168 | AFLAC | $3K | $70 | $3K | 4.47% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $1K | $65 | $1K | 2.07% |
| CHARLES V GLAUB3 Filed as: CHARLES GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $627 | — | $627 | 0.87% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $384 | — | $384 | 0.53% |
| GABRIEL TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $314 | $23 | $337 | 0.47% |
| KIMBERLY M MCNULTY3 Filed as: KIMBERLY MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $201 | — | $201 | 0.28% |
| RICHARD SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $170 | — | $170 | 0.24% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $145 | — | $145 | 0.20% |
| JOSHUA DAVIDSON3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $136 | — | $136 | 0.19% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2218 RIVER ROAD SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $134 | — | $134 | 0.19% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $123 | — | $123 | 0.17% |
| ALAN BERGMANN3 | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $102 | — | $102 | 0.14% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $92 | — | $92 | 0.13% |
| DAPHANE LEE3 | 6294 PEPPER HILL ST WEST BLOOMFIELD, MI 48322 | AFLAC | $79 | — | $79 | 0.11% |
| GARY HUEBLER3 | 29755 MACKENZIE CIR W WARREN, MI 48092 | AFLAC | $57 | — | $57 | 0.08% |
| DENNIS BELGER3 | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $48 | — | $48 | 0.07% |
| TRACEY KEISER3 | 22320 BEAR CREEK DR N MURRIETA, CA 92562 | AFLAC | $44 | — | $44 | 0.06% |
| SPAZ AND GLAUB ENTERPRISES3 Filed as: SPAZ & GLAUB ENTERPRISES | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $44 | — | $44 | 0.06% |
| GREGORY MILLER3 | 37616 HURON POINTE DR HARRISON TOWNSHIP, MI 48045 | AFLAC | $35 | — | $35 | 0.05% |
| JESSICA R MAJOR3 Filed as: JESSICA MAJOR | 1352 N DEERFIELD DR CENTERVILLE, UT 84014 | AFLAC | $23 | — | $23 | 0.03% |
| KEN MAJOR3 | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $22 | — | $22 | 0.03% |
| RHONDA A DRESNER3 Filed as: RHONDA DRESNER | 4 BENNETT ST WOBURN, MA 01801 | AFLAC | $20 | — | $20 | 0.03% |
| RENEE M TRUDEAU3 Filed as: RENEE TRUDEAU | 30229 SCHOENHERR RD STE 100 WARREN, MI 48088 | AFLAC | $19 | — | $19 | 0.03% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $18 | — | $18 | 0.02% |
| MICHAEL C WALKER2 Filed as: MICHAEL TRUDEAU | 30229 SCHOENHERR RD STE 100 WARREN, MI 48088 | AFLAC | $17 | — | $17 | 0.02% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 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 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $10 | — | $10 | 0.01% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $8 | — | $8 | 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 | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $5 | — | $5 | 0.01% |
| STEPHEN GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | 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% |
| JENNIFER GRIFFIN3 | 32419 HOLDEN DR WARREN, MI 48092 | 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% |
| TIMOTHY J REED3 Filed as: TIMOTHY SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 16.50% |
| LIFETIME FINANCIAL GROWTH3 | 24255 W 13 MILE RD BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.02% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 65 | $72K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 118 | $125K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $53K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $53K |
| Other(2 contracts, 2 carriers) | AFLAC | 118 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.