| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD CARMEL, IN 46032 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 3.61% |
| ROBERT J AURIN3 Filed as: ROBERT LANE | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $2K | $400 | $3K | 3.91% |
| G L H BENEFITS INC3 | 29755 MACKENZIE CIRCLE WEST WARREN, MI 48092 | AFLAC | $2K | — | $2K | 3.45% |
| MIKE S GAYNOR3 Filed as: MIKE GAYNOR | 8672 SHORE WAY DRIVE SOUTHWEST BYRON CENTER, MI 49315 | AFLAC | $2K | $400 | $2K | 3.02% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | AFLAC | $576 | $160 | $736 | 1.09% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $539 | $160 | $699 | 1.04% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2218 RIVER ROAD SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $445 | — | $445 | 0.66% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $90 | $138 | $228 | 0.34% |
| ROGERS BENEFIT GROUP INC3 Filed as: LYNNE ROGERS INC. | 2218 RIVER ROAD SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $219 | — | $219 | 0.32% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 360 WEST ILLINOIS STREET APARTMENT 9A CHICAGO, IL 60654 | AFLAC | $212 | — | $212 | 0.31% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 218 MANUFACTURERS ROAD CHATTANOOGA, TN 37405 | AFLAC | $198 | — | $198 | 0.29% |
| THE HORTON GROUP3 Filed as: CAYLIN HORTON | 783 HIDDEN RIVER DRIVE ORTONVILLE, MI 48462 | AFLAC | $137 | — | $137 | 0.20% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $134 | — | $134 | 0.20% |
| TREVOR FENNELL3 | 11835 QUENNS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $121 | $13 | $134 | 0.20% |
| CHARLES V GLAUB3 Filed as: CHARLES GLAUB | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $70 | — | $70 | 0.10% |
| JOSHUA DEVRIES3 | 110 TREALOUT DRIVE SUITE 202 FENTON, MI 48430 | AFLAC | $70 | — | $70 | 0.10% |
| FRANK R BOKOR3 Filed as: FRANK BOKOR | 755 EAST 16TH STREET APARTMENT 101 HOLLAND, MI 49423 | AFLAC | $65 | — | $65 | 0.10% |
| DENNIS BELGER3 | P.O. BOX 215 NORTH STREET, MI 48049 | AFLAC | $59 | — | $59 | 0.09% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | AFLAC | $52 | — | $52 | 0.08% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $52 | — | $52 | 0.08% |
| ALAN BERGMANN3 | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | AFLAC | $52 | — | $52 | 0.08% |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD HILLS, MI 48304 | AFLAC | $34 | — | $34 | 0.05% |
| RICHARD JOHN DERF3 Filed as: RICHARD DERF | P.O. BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $30 | — | $30 | 0.04% |
| KYLE J HARRIS3 Filed as: KYLE HARRIS | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | AFLAC | $28 | — | $28 | 0.04% |
| KRAIG SEXTON3 | 9864 EAST GRAND RIVER AVENUE SUITE 110 292 BRIGHTON, MI 48116 | AFLAC | $23 | — | $23 | 0.03% |
| ALICIA L ST GERMAINE3 Filed as: ALICIA ST GERMAINE | 38252 MAST STREET HARRISON TOWNSHIP, MI 48045 | AFLAC | $22 | — | $22 | 0.03% |
| JOANNA M ROCKWELL3 Filed as: JOANNA ROCKWELL | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $18 | — | $18 | 0.03% |
| MARK A RAYMER3 Filed as: MARK RAYMER | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $10 | — | $10 | 0.01% |
| STEPHEN GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $8 | — | $8 | 0.01% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN ROAD TOLEDO, OH 43615 | AFLAC | $8 | — | $8 | 0.01% |
| NANCY ANN CLEMENTS3 Filed as: NANCY CLEMENTS | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $7 | — | $7 | 0.01% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $5 | — | $5 | 0.01% |
| KENNETH BOWERY3 | 1979 HOLLAND AVENUE SUITE B PORT HURON, MI 48060 | AFLAC | $4 | — | $4 | 0.01% |
| KAREN PICCININI3 Filed as: KAREN SMYK | 22260 WINSHALL STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $1 | — | $1 | 0.00% |
| CATHERINE DANIS3 | 48639 BRITTANY PARC DRIVE MACOMB, MI 48044 | AFLAC | $1 | — | $1 | 0.00% |
| MIDWEST BENEFITS SOLUTIONS, LLC3 Filed as: MIDWEST BENEFITS SOLUTIONS INC. | 303 W. ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.75% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K. HARRIS & ASSOCIATES, LLC | 950 W. NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.14% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.80% |
| ROBERT J AURIN3 Filed as: ROBERT M. LANE | 303 W. ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.75% |
| MIKE S GAYNOR3 Filed as: MIKE S. GAYNOR | 625 KENMOOR AVENUE SE SUITE 200 GRAND RAPIDS, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.64% |
| MARK D BARBIER3 Filed as: MARK D. BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $494 | — | $494 | 0.73% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | — | $439 | 0.65% |
| TREVOR FENNELL3 Filed as: TREVOR R. FENNELL | 133 WEST 22ND STREET NEW YORK, NY 10011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $324 | — | $324 | 0.48% |
| TODD DEVOSS3 | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.20% |
| JOSEPH A NASCA3 Filed as: JOSEPH A. NASCA | 28081 W. MAPLE AVENUE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.10% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $817 | $8K | 23.53% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 460325638 | VISION SERVICE PLAN | $977 | — | $977 | 5.97% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD CARMEL, IN 46032 | DELTA DENTAL OF MICHIGAN | $524 | — | $524 | 3.48% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $217 | $3K | 25.97% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $948 | $108 | $1K | 23.77% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPLUS | 0 | $0 |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 335 | $147K |
| Vision | VISION SERVICE PLAN | 109 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $35K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 20 | $11K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $4K |
| Other(2 contracts, 2 carriers) | AFLAC | 186 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.