| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLH BENEFITS INC3 | 29755 MACKENZIE CIR W WARREN, MI 48092 | AFLAC | $16K | $2K | $18K | 12.24% |
| MARK A RAYMER3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $3K | $347 | $3K | 2.44% |
| JULIE A HOLDERNESS3 | 1675 KILBURN ROAD N ROCHESTER HILLS, MI 48306 | AFLAC | $1K | — | $1K | 1.04% |
| GABRIEL TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $1K | $325 | $1K | 1.04% |
| LUKE A ROCKWELL3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $1K | — | $1K | 0.86% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $944 | $22 | $966 | 0.67% |
| ANNA MARINEZ3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $567 | — | $567 | 0.40% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $469 | — | $469 | 0.33% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $406 | — | $406 | 0.28% |
| ROBERT J AURIN3 Filed as: ROBERT M LANE | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $381 | — | $381 | 0.27% |
| MIKE S GAYNOR3 Filed as: MIKE GAYNOR | 8672 SHORE WAY DR SW BYRON CENTER, MI 49315 | AFLAC | $257 | — | $257 | 0.18% |
| JOANNA M ROCKWELL3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $235 | — | $235 | 0.16% |
| TEAM INC3 | 2218 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $154 | — | $154 | 0.11% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 950 W NORTON AVE STD 201 MUSKEGON, MI 49441 | AFLAC | $134 | — | $134 | 0.09% |
| ROGERS BENEFIT GROUP INC3 Filed as: LYNNE ROGERS INC | 2218 RIVER RD STE 200 MARYSVILLE, MA 48040 | AFLAC | $128 | — | $128 | 0.09% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH WASEMILLER | 37766 DEVOE STREET CLINTON TOWNSHIP, MI 48036 | AFLAC | $70 | — | $70 | 0.05% |
| KACY A GRUENKEMEYER3 | 543 ALSTON DR CHATTANOOGA, TN 37419 | AFLAC | $61 | — | $61 | 0.04% |
| DANIEL A MARINEZ3 Filed as: DANIEL MARINEZ | 303 W ERIE ST STE 400 CHICAGO, IA 60654 | AFLAC | $60 | — | $60 | 0.04% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $53 | — | $53 | 0.04% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 360 W ILLINOIS ST APT 9A CHICAGO, IL 60654 | AFLAC | $50 | — | $50 | 0.03% |
| DENNIS FENNELL3 Filed as: DENNIS R BELGER | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $45 | — | $45 | 0.03% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $37 | — | $37 | 0.03% |
| JULIE SLAUGHTER3 Filed as: JULIE M. SLAUGHTER | 31211 GRANDON STREET LIVONIA, MI 48150 | AFLAC | $27 | — | $27 | 0.02% |
| RICHARD JOHN DERF3 | PO BO 143 GRAND HAVEN, MI 49417 | AFLAC | $26 | — | $26 | 0.02% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $23 | — | $23 | 0.02% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 5480 PINE BLUFF LANE MUSKEGON, MI 49441 | AFLAC | $21 | — | $21 | 0.01% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER AVE STE 110 #292 BRIGHTON, MI 48116 | AFLAC | $20 | — | $20 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $19 | — | $19 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $19 | — | $19 | 0.01% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $16 | — | $16 | 0.01% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $10 | — | $10 | 0.01% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGAL | 123 CURFEW DRIVE CHAPEL HILL, NC 27517 | AFLAC | $8 | — | $8 | 0.01% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BLVD STD 1403 FOREST HILLS, NY 11375 | AFLAC | $5 | — | $5 | 0.00% |
| FRANK R BOKOR3 | 755 E 16TH ST APT 101 HOLLAND, MI 49423 | AFLAC | $5 | — | $5 | 0.00% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $5 | — | $5 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.00% |
| JAMES C SNIDER JR3 | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $4 | — | $4 | 0.00% |
| DIANE MARIE JARBOE3 Filed as: DIANE B SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.00% |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MA 48380 | AFLAC | $3 | — | $3 | 0.00% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR STD 202 FENTON, MI 48430 | AFLAC | $2 | — | $2 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $2 | — | $2 | 0.00% |
| STEPHANIE L KESSELRING1 Filed as: STEPHANIE L. KESSELRING | 3141 ROLING GREEN SOURT MILFORD, MI 48380 | AFLAC | $2 | — | $2 | 0.00% |
| KEITH LOZAR3 | 18616 RUTH STREET MELVINDALE, MI 48122 | AFLAC | $2 | — | $2 | 0.00% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MA 48843 | AFLAC | $1 | — | $1 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $1 | — | $1 | 0.00% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.00% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 100 WALL ST FL 28 NEW YORK, NY 10005 | AFLAC | $1 | — | $1 | 0.00% |
| MELISSA K SWAN3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE L. KESSELRING | 5434 OAKHURST DRIVE SEMINOLE, FL 33772 | AFLAC | $1 | — | $1 | 0.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATES, LL | 48343 ELMWOOD SHELBY TOWNSHIP, MI 48315 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.90% |
| INSURANCE COONSULTING ASSOCIATE3 | 27750 STANSBURY BLVD-STE 100 SUITE 100 FARMINGTON HILLS, MI 48334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | $10K | — | $10K | 11.28% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K. HARRIS & ASSOCIATES | 950 W. NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $590 | — | $590 | 3.18% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $230 | — | $230 | 1.24% |
| MIDWEST BENEFITS SOLUTIONS, LLC3 Filed as: MIDWEST BENEFITS SOLUTIONS INC. | 303 W. ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 1.19% |
| ROBERT J AURIN3 Filed as: ROBERT M. LANE | 303 W. ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 1.18% |
| MIKE S GAYNOR3 Filed as: MIKE S. GAYNOR | 8672 SHORE WAY DRIVE SW BRYON CENTER, MI 49315 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 0.85% |
| MARK D BARBIER3 Filed as: MARK D. BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.63% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.44% |
| TODD DEVOSS3 | 321 N. CLARK STREET SUITE 624 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.12% |
| TREVOR FENNELL3 Filed as: TREVOR R. FENNELL | 133 WEST 22ND STREET NEW YORK, NY 10011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| JOSEPH A NASCA3 Filed as: JOSEPH A. NASCA | 28081 MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 104 | $143K |
| Dental | DELTA DENTAL OF MICHIGAN | 291 | $99K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 195 | $91K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 195 | $91K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 195 | $91K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 195 | $91K |
| Other(3 contracts, 3 carriers) | AFLAC | 195 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.