| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY J HOLSWORTH3 | 1601 MARQUETTE ST STE4 BAY CITY, MI 487064196 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $28K | $2K | $30K | 3.95% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 495140167 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 1.08% |
| CAREN RUTH LIEBERMAN3 | 4406 MAR MOOR DR LANSING, MI 48917 | AFLAC | $4K | $19 | $4K | 22.52% |
| MYRNA L MURRAY3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $966 | $4 | $970 | 5.84% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $508 | $4 | $512 | 3.08% |
| ALAN BERGMANN3 | 707 PRUDDEN ST UNIT 101 LANSING, MI 48906 | AFLAC | $38 | — | $38 | 0.23% |
| CHARLES E NORRIS3 | 150 CHAPPEL DAM RD GLADWIN, MI 48624 | AFLAC | $30 | — | $30 | 0.18% |
| LARRY M FELTEN3 | 4055 STATE ST SAGINAW, MI 48603 | AFLAC | $28 | — | $28 | 0.17% |
| JAMES H RAIRIGH3 Filed as: JAMES L SURPRENANT | 803 N EUCLID AVE PMB 12 BAY CITY, MI 48706 | AFLAC | $26 | — | $26 | 0.16% |
| AMBER DASHKOVITZ3 | 1901 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $20 | — | $20 | 0.12% |
| ALAN BERGMANN3 | 284 TWIN PONDS DR OKEMOS, MI 48864 | AFLAC | $18 | — | $18 | 0.11% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $15 | — | $15 | 0.09% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $15 | — | $15 | 0.09% |
| JULIE SLAUGHTER3 Filed as: JULIE M SLAUGHTER | PO BOX 2141 FARMINGTON HILLS, MI 48333 | AFLAC | $15 | — | $15 | 0.09% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW T NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | AFLAC | $12 | — | $12 | 0.07% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $11 | — | $11 | 0.07% |
| PEGGY S DISS3 | 242 PALMER BLVD NORTH FORT MYERS, FL 33903 | AFLAC | $10 | — | $10 | 0.06% |
| DUANE E CORDES3 | PO BOX 455 HILLMAN, MI 49746 | AFLAC | $7 | — | $7 | 0.04% |
| GERALD THORP AGENCY LLC3 Filed as: GERALD F THORP II | 1582 RILEY RD CARO, MI 48723 | AFLAC | $5 | — | $5 | 0.03% |
| DAVID J DOWDY3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $4 | — | $4 | 0.02% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $3 | — | $3 | 0.02% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $2 | — | $2 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.01% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DR STE 600 OKEMOS, MI 48864 | AFLAC | — | — | $0 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | — | — | $0 | 0.00% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | — | — | $0 | 0.00% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DR CONCORD, MI 49237 | AFLAC | — | — | $0 | 0.00% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | — | — | $0 | 0.00% |
| JAMES C SNIDER JR3 | 2461 W STATE ROAD 426 STE 2061 OVIEDO, FL 32765 | AFLAC | — | — | $0 | 0.00% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | — | — | $0 | 0.00% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | — | — | $0 | 0.00% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | — | — | $0 | 0.00% |
| DANIEL M WOLF3 | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | — | — | $0 | 0.00% |
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 | 124 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 196 | $756K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 196 | $756K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 196 | $756K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 196 | $756K |
| Other | AFLAC | 20 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.