| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 14.62% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS, INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $2K | $0 | $2K | 5.09% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $1K | $0 | $1K | 2.57% |
| MJ INSURANCE3 Filed as: RICHARD SOMMERS AND VARIOUS AGENTS | 861 AUGUSTA DRIVE ROCHESTER, MI 48309 | AFLAC | $853 | $0 | $853 | 2.14% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $507 | $0 | $507 | 1.27% |
| HILARY R EBNER3 Filed as: HILARY R. EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $495 | $0 | $495 | 1.24% |
| SHAUN M KLUG3 Filed as: SHAUN M. KLUG | 46389 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $278 | $0 | $278 | 0.70% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $225 | $0 | $225 | 0.56% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS, INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $491 | $13 | $504 | 4.37% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $180 | $20 | $200 | 1.73% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $148 | $0 | $148 | 1.28% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $99 | $8 | $107 | 0.93% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $90 | $0 | $90 | 0.78% |
| MJ INSURANCE3 Filed as: MICHAEL TRUDEAU AND VARIOUS AGENTS | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | AFLAC | $75 | $0 | $75 | 0.65% |
| HILARY R EBNER3 Filed as: HILARY R. EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $36 | $8 | $44 | 0.38% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS, INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $581 | $0 | $581 | 5.71% |
| ROGERS BENEFIT GROUP INC3 Filed as: SCOTT E. ROGERS AND VARIOUS AGENTS | 2218 RIVER ROAD, SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $117 | $0 | $117 | 1.15% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $90 | $0 | $90 | 0.88% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $62 | $0 | $62 | 0.61% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $61 | $0 | $61 | 0.60% |
| HILARY R EBNER3 Filed as: HILARY R. EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $33 | $0 | $33 | 0.32% |
| RONALD A DASHKOVITZ3 Filed as: RONALD A. DASHKOVITZ | 20 MILLPOND TRAIL SAGINAW, MI 48603 | AFLAC | $32 | $0 | $32 | 0.31% |
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 | 113 | 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) | 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 | 110 | $117K |
| Short-term disability(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $117K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $55K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.