| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE ST KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $32K | $1K | $34K | 5.33% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE ST KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 6.26% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE ST KALAMAZOO, MI 49007 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 13.94% |
| TREVOR A SMALL3 | 3420 KENBROOKE CT KALAMAZOO, MI 49006 | AFLAC | $1K | $60 | $1K | 5.80% |
| BENEFIT BUILDERS LLC3 | 7613 HAMPTON OAKS DR PORTAGE, MI 49024 | AFLAC | $223 | — | $223 | 1.19% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 2643 120TH AVE ALLEGAN, MI 49010 | AFLAC | $213 | — | $213 | 1.14% |
| SARAH E MEANY3 | 4000 PORTAGE ST STE 109 KALAMAZOO, MI 49001 | AFLAC | $100 | $14 | $114 | 0.61% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PL CASTLE PINES, CO 80108 | AFLAC | $96 | — | $96 | 0.51% |
| JUSTIN M GOODENOUGH3 | 2643 120TH AVE ALLEGAN, MI 49010 | AFLAC | $75 | — | $75 | 0.40% |
| CLIFF RAY RENSBERGER3 | 41 HICKORY LN BATTLE CREEK, MI 49015 | AFLAC | $60 | — | $60 | 0.32% |
| LANCE KESSELRING3 Filed as: LANCE E KESSELRING | 44601 FORD WAY DR NOVI, MI 48375 | AFLAC | $49 | — | $49 | 0.26% |
| AG AND ASSOCIATES3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $45 | — | $45 | 0.24% |
| CHRIS D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $39 | — | $39 | 0.21% |
| BETHANY MARIE MCDADE3 | 9674 R AVE MATTAWAN, MI 49071 | AFLAC | $34 | — | $34 | 0.18% |
| CATHY S STANLEY3 | 348 BOISMIER LN COLDWATER, MI 49036 | AFLAC | $34 | — | $34 | 0.18% |
| LARRY E KESSELRING3 | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $30 | — | $30 | 0.16% |
| LAURA E MCCALLY3 | 15650 HILLSIDE RD THREE RIVERS, MI 49093 | AFLAC | $26 | — | $26 | 0.14% |
| TIM WOODARD3 | 53 CHARLES ST HILLSDALE, MI 49242 | AFLAC | $19 | — | $19 | 0.10% |
| SUSAN L CULHANE3 Filed as: SUSAN MARIE MARTIN | 10760 STADIUM DR KALAMAZOO, MI 49009 | AFLAC | $16 | — | $16 | 0.09% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $15 | — | $15 | 0.08% |
| JASON L GLICK3 | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $14 | — | $14 | 0.07% |
| SHAUN M KLUG3 | 48187 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $13 | — | $13 | 0.07% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $13 | — | $13 | 0.07% |
| DUANE EDWARD WILSON3 | 4370 N PORTSMOUTH RD SAGINAW, MI 48601 | AFLAC | $13 | — | $13 | 0.07% |
| NICOLE DRENGBERG3 | 18275 NELSON RD SAINT CHARLES, MI 48655 | AFLAC | $13 | — | $13 | 0.07% |
| MONICA MILLER3 | 675 PRESERVE CIRCLE DR SE APT 3 GRAND RAPIDS, MI 49548 | AFLAC | $12 | — | $12 | 0.06% |
| JEREMY D SAMPSEL3 | 10438 N 6TH ST OTSEGO, MI 49078 | AFLAC | $11 | — | $11 | 0.06% |
| ROBERT L PARSONS3 | 4000 PORTAGE ST STE 109 KALAMAZOO, MI 49001 | AFLAC | $10 | — | $10 | 0.05% |
| RICHARD P SOMMERS3 | 861 AUGUSTA RD ROCHESTER, MI 48309 | AFLAC | $9 | — | $9 | 0.05% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $9 | — | $9 | 0.05% |
| KIMBERLY K DELAET3 | 24623 P DR S HOMER, MI 49245 | AFLAC | $7 | — | $7 | 0.04% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $6 | — | $6 | 0.03% |
| EDWARD O WALTER III3 | PO BOX 1377 NOVI, MI 48376 | AFLAC | $4 | — | $4 | 0.02% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.02% |
| JAMES C SNIDER JR3 | 20817 POINTE REGATTA DR CORNELIUS, NC 28031 | AFLAC | $4 | — | $4 | 0.02% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES BULLOCK3 | 6144 W LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $1 | — | $1 | 0.01% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.01% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $1 | — | $1 | 0.01% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 172 | $631K |
| Dental | DELTA DENTAL OF MICHIGAN | 167 | $54K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 172 | $631K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 115 | $55K |
| Short-term disability | STANDARD INSURANCE COMPANY | 115 | $36K |
| Long-term disability | STANDARD INSURANCE COMPANY | 115 | $36K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 172 | $631K |
| Other | AFLAC | 22 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.