| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST BENEFIT SOLUTIONS INC.3 | 303 W. ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.21% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K. HARRIS & ASSOCIATES, LLC | 950 W. NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.05% |
| ROBERT J AURIN3 Filed as: ROBERT M. LANE | 303 W. ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.02% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $842 | — | $842 | 1.43% |
| MIKE S GAYNOR3 Filed as: MIKE S. GAYNOR | 625 KENMOOR AVENUE SE SUITE 200 GRAND RAPIDS, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $498 | — | $498 | 0.85% |
| MARK D BARBIER3 Filed as: MARK D. BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $362 | — | $362 | 0.61% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | — | $252 | 0.43% |
| TODD DEVOSS3 | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.10% |
| TREVOR FENNELL3 Filed as: TREVOR R. FENNELL | 133 WEST 22ND STREET NEW YORK, NY 10011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.07% |
| JOSEPH A NASCA3 Filed as: JOSEPH A. NASCA | 28081 W. MAPLE AVENUE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| JACQUELINE CASTRO3 | 1133 DEARBORN STREET CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROBERT J AURIN3 Filed as: ROBERT LANE | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $4K | $16 | $4K | 7.50% |
| MIKE S GAYNOR3 Filed as: MIKE GAYNOR | 8672 SHORE WAY DRIVE SOUTHWEST BYRON CENTER, MI 49315 | AFLAC | $3K | — | $3K | 5.44% |
| G L H BENEFITS INC3 Filed as: G L H BENEFITS INC. | 29755 MACKENZIE CIRCLE WEST WARREN, MI 48092 | AFLAC | $1K | — | $1K | 2.58% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $792 | $3 | $795 | 1.61% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 Filed as: MICHIGAN ACCOUNT SERVICE TEAM INC. | 2218 RIVER ROAD SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $236 | — | $236 | 0.48% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATIES LLC | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | AFLAC | $208 | — | $208 | 0.42% |
| ROGERS BENEFIT GROUP INC3 Filed as: LYNNE ROGERS INC. | 2218 RIVER ROAD SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $126 | — | $126 | 0.25% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 218 MANUFACTURERS ROAD CHATTANOOGA, TN 37405 | AFLAC | $111 | — | $111 | 0.22% |
| THE HORTON GROUP3 Filed as: CAYLIN HORTON | 783 HIDDEN RIVER DRIVE ORTONVILLE, MI 48462 | AFLAC | $109 | — | $109 | 0.22% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 360 WEST ILLINOIS STREET APARTMENT 9A CHICAGO, IL 60654 | AFLAC | $77 | — | $77 | 0.16% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $74 | — | $74 | 0.15% |
| DENNIS BELGER3 | P.O. BOX 215 NORTH STREET, MI 48049 | AFLAC | $42 | — | $42 | 0.08% |
| CHARLES V GLAUB3 Filed as: CHARLES GLAUB | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $39 | — | $39 | 0.08% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $33 | — | $33 | 0.07% |
| ALAN BERGMANN3 | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | AFLAC | $31 | — | $31 | 0.06% |
| JOSHUA DEVRIES3 | 110 TREALOUT DRIVE SUITE 202 FENTON, MI 48430 | AFLAC | $29 | — | $29 | 0.06% |
| RICHARD JOHN DERF3 Filed as: RICHARD DERF | P.O. BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $24 | — | $24 | 0.05% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | AFLAC | $22 | — | $22 | 0.04% |
| KRAIG SEXTON3 | 9864 EAST GRAND RIVER AVENUE SUITE 110 292 BRIGHTON, MI 48116 | AFLAC | $17 | — | $17 | 0.03% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $15 | — | $15 | 0.03% |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD HILLS, MI 48304 | AFLAC | $15 | — | $15 | 0.03% |
| FRANK R BOKOR3 Filed as: FRANK BOKOR | 755 EAST 116TH STREET APARTMENT 101 HOLLAND, MI 49423 | AFLAC | $13 | — | $13 | 0.03% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $7 | — | $7 | 0.01% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $5 | — | $5 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH NASCA | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | P.O. BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.00% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY SANDERS | 1567 ARCHWOOD DRIVE HOLT, MI 48842 | AFLAC | $1 | — | $1 | 0.00% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $1 | — | $1 | 0.00% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | P.O. BOX 602 CONCORD, MI 49237 | AFLAC | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $564 | $7K | 21.86% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | VISION SERVICE PLAN | $1K | — | $1K | 5.57% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $86 | — | $86 | 0.67% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $180 | $2K | 21.95% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $73 | $1K | 21.27% |
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 | 260 | 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) | 260 | 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 | 293 | $131K |
| Vision | VISION SERVICE PLAN | 127 | $20K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 260 | $43K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $6K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 260 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.