| 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 | $2K | $7K | 14.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 1605 CONCENTRIC BOULEVARD, SUITE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $919 | $0 | $919 | 1.97% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS, INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $3K | $32 | $3K | 7.99% |
| HILARY R EBNER3 Filed as: HILARY R. EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $1K | $12 | $1K | 2.43% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $996 | $18 | $1K | 2.34% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB AND OTHER AGENTS | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $832 | $3 | $835 | 1.92% |
| SHAUN M KLUG3 Filed as: SHAUN M. KLUG | 46389 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $680 | $15 | $695 | 1.60% |
| SCOTT W DAVIDSON3 Filed as: SCOTT W. DAVIDSON | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $656 | $0 | $656 | 1.51% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $190 | $13 | $203 | 0.47% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS, INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $403 | $0 | $403 | 3.89% |
| SCOTT W DAVIDSON3 Filed as: SCOTT W. DAVIDSON | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $350 | $0 | $350 | 3.38% |
| ROGERS BENEFIT GROUP INC3 Filed as: SCOTT E. ROGERS AND OTHER AGENTS | 2218 RIVER ROAD, SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $117 | $0 | $117 | 1.13% |
| HILARY R EBNER3 Filed as: HILARY R. EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $86 | $0 | $86 | 0.83% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $86 | $0 | $86 | 0.83% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $54 | $0 | $54 | 0.52% |
| RONALD A DASHKOVITZ3 Filed as: RONALD A. DASHKOVITZ | 20 MILLPOND TRAIL SAGINAW, MI 48603 | AFLAC | $31 | $0 | $31 | 0.30% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS, INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $295 | $0 | $295 | 5.11% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $105 | $0 | $105 | 1.82% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $66 | $0 | $66 | 1.14% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $26 | $0 | $26 | 0.45% |
| ALAN BERGMANN3 Filed as: ALAN W. BERGMANN AND OTHER AGENTS | 461 COKESBURY DRIVE THE VILLAGES, FL 32162 | AFLAC | $24 | $0 | $24 | 0.42% |
| MICHAEL L TRUDEAU3 Filed as: MICHAEL L. TRUDEAU | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | AFLAC | $17 | $0 | $17 | 0.29% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $13 | $0 | $13 | 0.23% |
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 | 105 | 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) | 107 | 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 | 102 | $106K |
| Short-term disability(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $106K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $47K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.