| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE COONSULTING ASSOCIATE3 | 27750 STANSBURY BLVD-STE 100 SUITE 100 FARMINGTON HILLS, MI 48334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | $11K | $6K | $16K | 17.75% |
| GLH BENEFITS INC3 | 29755 MACKENZIE CIR W WARREN, MI 48092 | AFLAC | $4K | $237 | $5K | 5.10% |
| JULIE A HOLDERNESS3 | 1675 KILBURN ROAD N ROCHESTER HILLS, MI 48306 | AFLAC | $1K | $122 | $2K | 1.69% |
| MARK A RAYMER3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $1K | $70 | $1K | 1.62% |
| LUKE A ROCKWELL3 | 325 W HUROM ST - STE 215 CHICAGO, IL 60654 | AFLAC | $674 | — | $674 | 0.74% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $596 | $70 | $666 | 0.73% |
| ANNA MARINEZ3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $331 | — | $331 | 0.36% |
| GABRIEL TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $307 | — | $307 | 0.34% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $269 | — | $269 | 0.29% |
| KRISTA L FORYS3 | PO BOX 87203 CANTON, MI 48187 | AFLAC | $255 | — | $255 | 0.28% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 W HURON, STE 215 CHICAGO, IL 60654 | AFLAC | $253 | — | $253 | 0.28% |
| ROBERT J AURIN3 Filed as: ROBERT M LANE | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $200 | — | $200 | 0.22% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH WASEMILLER | 37766 DEVOE STREET CLINTON TOWNSHIP, MI 48036 | AFLAC | $154 | — | $154 | 0.17% |
| CATHERINE NICOLE FUNNI3 | 1626 WEEPING WILLOW COURT SUPERIOR TWP, MI 48198 | AFLAC | $145 | — | $145 | 0.16% |
| JOANNA M ROCKWELL3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $132 | — | $132 | 0.14% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2218 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $130 | — | $130 | 0.14% |
| MIKE S GAYNOR3 Filed as: MIKE GAYNOR | 8672 SHORE WAY DR SW BYRON CENTER, MI 49315 | AFLAC | $124 | — | $124 | 0.14% |
| ROGERS BENEFIT GROUP INC3 Filed as: LYNNE ROGERS INC | 2218 RIVER RD STE 200 MARYSVILLE, MA 48040 | AFLAC | $118 | — | $118 | 0.13% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 5480 PINE BLUFF LANE MUSKEGON, MI 49441 | AFLAC | $90 | — | $90 | 0.10% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $62 | — | $62 | 0.07% |
| JULIE SLAUGHTER3 Filed as: JULIE M. SLAUGHTER | 31211 GRANDON STREET LIVONIA, MI 48150 | AFLAC | $59 | — | $59 | 0.06% |
| PATRICK WOLF3 | 18114 ROSETTA AVE EASTPOINTE, MI 48021 | AFLAC | $58 | — | $58 | 0.06% |
| KACY A GRUENKEMEYER3 | 558 CLINGSMAN LANE CHATTANOOGA, TN 37419 | AFLAC | $43 | — | $43 | 0.05% |
| DENNIS FENNELL3 Filed as: DENNIS R BELGER | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $42 | — | $42 | 0.05% |
| ALAN BERGMANN3 | 461 COKESBURY DRIVE THE VILLAGES, FL 32162 | AFLAC | $34 | — | $34 | 0.04% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 9961 SULVIAN DRIVE DUBLIN, OH 43017 | AFLAC | $33 | — | $33 | 0.04% |
| ANNA MARINEZ3 | 325 W HURON ST - STE 215 CHICAGO, IL 60654 | AFLAC | $29 | — | $29 | 0.03% |
| DANIEL A MARINEZ3 Filed as: DANIEL MARINEZ | 303 W ERIE ST STE 400 CHICAGO, IA 60654 | AFLAC | $24 | — | $24 | 0.03% |
| RICHARD JOHN DERF3 | PO BO 143 GRAND HAVEN, MI 49417 | AFLAC | $24 | — | $24 | 0.03% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $21 | — | $21 | 0.02% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER AVE STE 110 #292 BRIGHTON, MI 48116 | AFLAC | $21 | — | $21 | 0.02% |
| ACRISURE LLC3 | 20789 HARPER AVE HARPER WOODS, MI 48225 | AFLAC | $19 | — | $19 | 0.02% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $15 | — | $15 | 0.02% |
| KEITH LOZAR3 | 18616 RUTH STREET MELVINDALE, MI 48122 | AFLAC | $11 | — | $11 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $10 | — | $10 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $10 | — | $10 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $7 | — | $7 | 0.01% |
| STEPHANIE L KESSELRING1 Filed as: STEPHANIE L. KESSELRING | 5434 OAKHURST DRIVE SEMINOLE, FL 33772 | AFLAC | $6 | — | $6 | 0.01% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $5 | — | $5 | 0.01% |
| FRANK R BOKOR3 | 755 E 16TH ST APT 101 HOLLAND, MI 49423 | AFLAC | $5 | — | $5 | 0.01% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $4 | — | $4 | 0.00% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $4 | — | $4 | 0.00% |
| DIANE MARIE JARBOE3 Filed as: DIANE B SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $4 | — | $4 | 0.00% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES C SNIDER JR3 | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $2 | — | $2 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | — | $2 | 0.00% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MA 48843 | AFLAC | $2 | — | $2 | 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 | 131 E 39TH STREET-APT 3 NEW YORK, NY 10016 | AFLAC | $1 | — | $1 | 0.00% |
| MELISSA K SWAN3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $1 | — | $1 | 0.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY BLVD., STE 100 FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $4K | $118 | $4K | 4.30% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K. HARRIS & ASSOCIATES | 950 W. NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | — | $311 | 2.46% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.95% |
| MIDWEST BENEFITS SOLUTIONS, LLC3 Filed as: MIDWEST BENEFITS SOLUTIONS INC. | 303 W. ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.89% |
| ROBERT J AURIN3 Filed as: ROBERT M. LANE | 303 W. ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.85% |
| MIKE S GAYNOR3 Filed as: MIKE S. GAYNOR | 8672 SHORE WAY DRIVE SW BRYON CENTER, MI 49315 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.65% |
| MARK D BARBIER3 Filed as: MARK D. BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.48% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.34% |
| TODD DEVOSS3 | 321 N. CLARK STREET SUITE 624 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.09% |
| TREVOR FENNELL3 Filed as: TREVOR R. FENNELL | 133 WEST 22ND STREET NEW YORK, NY 10011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| JOSEPH A NASCA3 Filed as: JOSEPH A. NASCA | 28081 MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
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 | 176 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 76 | $92K |
| Dental | DELTA DENTAL OF MICHIGAN | 266 | $88K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 176 | $93K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 176 | $93K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 176 | $93K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 176 | $93K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 186 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.