| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 16.29% |
| LIFETIME FINANCIAL GROWTH OF MI3 Filed as: LIFETIME FINANCIAL GROWTH OF MI. | 24255 WEST 13 MILE ROAD BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $92 | $0 | $92 | 0.20% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $837 | $16 | $853 | 2.31% |
| MJ INSURANCE3 Filed as: ANDREW GLAUB AND VARIOUS AGENTS | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $624 | $7 | $631 | 1.71% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $287 | $16 | $303 | 0.82% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $285 | $0 | $285 | 0.77% |
| RICHARD P SOMMERS3 Filed as: RICHARD P. SOMMERS | 1390 WEST BOULEVARD BERKLEY, MI 48072 | AFLAC | $167 | $0 | $167 | 0.45% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $155 | $0 | $155 | 0.42% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 Filed as: MICHIGAN ACCOUNT SERVICE TEAM INC. | 2218 RIVER ROAD, SUITE 200 MARYSVILLE, MI 49615 | AFLAC | $107 | $0 | $107 | 0.29% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $901 | $23 | $924 | 5.95% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $497 | $23 | $520 | 3.35% |
| MJ INSURANCE3 Filed as: JESSICA MAJOR AND VARIOUS AGENTS | 1352 NORTH DEERFIELD DRIVE CENTERVILLE, UT 84014 | AFLAC | $186 | $9 | $195 | 1.26% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $175 | $0 | $175 | 1.13% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $128 | $0 | $128 | 0.82% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $110 | $0 | $110 | 0.71% |
| EDWARD O WALTER III3 Filed as: EDWARD O. WALTER III | PO BOX 1377 GRAND RAPIDS, MI 49501 | AFLAC | $69 | $0 | $69 | 0.44% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $972 | $5 | $977 | 7.77% |
| MJ INSURANCE3 Filed as: GREGORY MILLER AND VARIOUS AGENTS | 37616 HURON POINTE DRIVE HARRISON TOWNSHIP, MI 48045 | AFLAC | $354 | $2 | $356 | 2.83% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $164 | $0 | $164 | 1.31% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $101 | $0 | $101 | 0.80% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $79 | $0 | $79 | 0.63% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $69 | $5 | $74 | 0.59% |
| EDWARD O WALTER III3 Filed as: EDWARD O. WALTER III | PO BOX 1377 GRAND RAPIDS, MI 49501 | AFLAC | $63 | $0 | $63 | 0.50% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $112K |
| Short-term disability(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $112K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $47K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.