| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 12.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 1605 CONCENTRIC BOULEVARD, SUITE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.79% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH OF M | UNKNOWN WARREN, MI 48091 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.01% |
| AJ BENEFITS INC3 Filed as: AJ BENEFITS, INC. | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $4K | $270 | $4K | 6.91% |
| HILARY R EBNER3 Filed as: HILARY EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $1K | $101 | $1K | 1.93% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $845 | $52 | $897 | 1.51% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 46389 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $590 | $90 | $680 | 1.14% |
| RICHARD P SOMMERS3 Filed as: RICHARD SOMMERS & OTHER AGENTS | 861 AUGUSTA DRIVE ROCHESTER, MI 48309 | AFLAC | $523 | $0 | $523 | 0.88% |
| SCOTT W DAVIDSON3 Filed as: SCOTT DAVIDSON | 7866 SLEEPY HOLLOW DRIVE NORTHVILLE, MI 48168 | AFLAC | $314 | $109 | $423 | 0.71% |
| JD FINANCIAL SERVICES3 | PO BOX 51494 LIVONIA, MI 48151 | AFLAC | $121 | $0 | $121 | 0.20% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $105 | $0 | $105 | 0.18% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ & OTHERS | 20 MILLPOND TRIAL SAGINAW, MI 48603 | AFLAC | $103 | $0 | $103 | 0.17% |
| CHARLES V GLAUB3 Filed as: CHARLES GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $93 | $0 | $93 | 0.16% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $67 | $0 | $67 | 0.11% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $59 | $0 | $59 | 0.10% |
| HILARY R EBNER3 Filed as: HILARY R. EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $44 | $0 | $44 | 0.07% |
| MICHAEL L TRUDEAU3 Filed as: MICHAEL L. TRUDEAU & OTHERE AGENTS | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | AFLAC | $39 | $0 | $39 | 0.07% |
| SHAUN M KLUG3 Filed as: SHAUN M. KLUG | 46389 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $29 | $0 | $29 | 0.05% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY M. MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $22 | $0 | $22 | 0.04% |
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 | 86 | 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) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $121K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $121K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $61K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86 | — |
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.