| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $9K | 16.23% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS, INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $2K | $0 | $2K | 4.32% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $879 | $0 | $879 | 2.36% |
| MJ INSURANCE3 Filed as: HEIDI GLAUB AND VARIOUS AGENTS | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $685 | $0 | $685 | 1.84% |
| KIMBERLY M MCNULTY3 Filed as: KIMBERLY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $397 | $0 | $397 | 1.07% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $256 | $0 | $256 | 0.69% |
| HILARY R EBNER3 Filed as: HILARY R. EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $227 | $0 | $227 | 0.61% |
| RICHARD P SOMMERS3 Filed as: RICHARD P. SOMMERS | 861 AUGUSTA DRIVE ROCHESTER, MI 48309 | AFLAC | $157 | $0 | $157 | 0.42% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS, INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $862 | $16 | $878 | 5.60% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $643 | $16 | $659 | 4.20% |
| KIMBERLY M MCNULTY3 Filed as: KIMBERLY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $261 | $4 | $265 | 1.69% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $177 | $0 | $177 | 1.13% |
| HILARY R EBNER3 Filed as: HILARY R. EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $121 | $0 | $121 | 0.77% |
| MJ INSURANCE3 Filed as: EDWARD WALTER AND VARIOUS AGENTS | PO BOX 1377 NOVI, MI 48376 | AFLAC | $113 | $7 | $120 | 0.77% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $107 | $0 | $107 | 0.68% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS, INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $956 | $0 | $956 | 7.62% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ AND VARIOUS AGENT | 20 MILLPOND TRAIL SAGINAW, MI 48603 | AFLAC | $221 | $0 | $221 | 1.76% |
| KIMBERLY M MCNULTY3 Filed as: KIMBERLY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $183 | $0 | $183 | 1.46% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $100 | $0 | $100 | 0.80% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $76 | $0 | $76 | 0.61% |
| HILARY R EBNER3 Filed as: HILARY R. EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $66 | $0 | $66 | 0.53% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY T. MILLER | 37616 HURON POINTE DRIVE HARRISON TOWNSHIP, MI 48045 | AFLAC | $40 | $0 | $40 | 0.32% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | 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 | 111 | $124K |
| Short-term disability(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $124K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $58K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.