| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 27750 STANSBURY BLVD-STE 100 SUITE 100 FARMINGTON HILLS, MI 48334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | $4K | $6K | $9K | 8.61% |
| CORE INSURANCE GROUP3 | 50787 CORPORATE DRIVE SHELBY TWP, MI 48315 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | $9K | — | $9K | 8.36% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY BLVD., STE 100 FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.21% |
| CORE INSURANCE GROUP3 Filed as: CORE INSURANCE GROUP, LLC | 50787 CORPORATE DRIVE SHELBY TOWNSHIP, MI 48315 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.96% |
| GARY HUEBLER3 | 29755 MACKENZIE CIRCLE W WARREN, MI 48083 | AFLAC | $2K | $59 | $2K | 3.25% |
| JULIE A HOLDERNESS3 | 1675 KILBURN ROAD N ROCHESTER HILLS, MI 48306 | AFLAC | $2K | $63 | $2K | 3.18% |
| MARK A RAYMER3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $1K | $35 | $1K | 1.65% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $498 | $31 | $529 | 0.71% |
| LUKE A ROCKWELL3 | 325 W HURON ST - STE 215 CHICAGO, IL 60654 | AFLAC | $437 | — | $437 | 0.59% |
| GLH BENEFITS INC3 | 29755 MACKENZIE CIR W WARREN, MI 48092 | AFLAC | $261 | — | $261 | 0.35% |
| ANNA MARINEZ3 | 325 W HURON ST - STE 215 CHICAGO, IL 60654 | AFLAC | $253 | — | $253 | 0.34% |
| GABRIEL TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $243 | — | $243 | 0.33% |
| JOANNA M ROCKWELL3 Filed as: JOANNA M NASCA | 350 N LASALLE DRIVE CHICAGO, IL 60654 | AFLAC | $186 | — | $186 | 0.25% |
| ROBERT J AURIN3 Filed as: ROBERT M LANE | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $154 | — | $154 | 0.21% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH WASEMILLER | 37766 DEVOE STREET CLINTON TOWNSHIP, MI 48036 | AFLAC | $154 | — | $154 | 0.21% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 W HURON, STE 215 CHICAGO, IL 60654 | AFLAC | $152 | — | $152 | 0.20% |
| MIKE S GAYNOR3 Filed as: MIKE GAYNOR | 8672 SHORE WAY DRIVE SW BRYON CENTER, MI 49315 | AFLAC | $127 | — | $127 | 0.17% |
| KRISTA L FORYS3 | PO BOX 87203 CANTON, MI 48187 | AFLAC | $104 | $20 | $124 | 0.17% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 | 2218 RIVER RD STE 200 MARYSVILLE, MI 48040 | AFLAC | $112 | — | $112 | 0.15% |
| ROGERS BENEFIT GROUP INC3 Filed as: LYNNE ROGERS INC | 2218 RIVER RD STE 200 MARYSVILLE, MA 48040 | AFLAC | $90 | — | $90 | 0.12% |
| JOANNA M ROCKWELL3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $85 | — | $85 | 0.11% |
| JULIE SLAUGHTER3 Filed as: JULIE M. SLAUGHTER | 31211 GRANDON STREET LIVONIA, MI 48150 | AFLAC | $59 | — | $59 | 0.08% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $58 | — | $58 | 0.08% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $57 | — | $57 | 0.08% |
| KACY A GRUENKEMEYER3 | 558 CLINGSMAN LANE CHATTANOOGA, TN 37419 | AFLAC | $44 | — | $44 | 0.06% |
| DENNIS FENNELL3 Filed as: DENNIS R BELGER | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $42 | — | $42 | 0.06% |
| ACRISURE LLC3 | 582 E 36TH AVE. HARPER WOODS, MI 48225 | AFLAC | $29 | — | $29 | 0.04% |
| DANIEL A MARINEZ3 Filed as: DANIEL MARINEZ | 325 W HURON STREET, SUITE 215 CHICAGO, IA 60654 | AFLAC | $24 | — | $24 | 0.03% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 5480 PINE BLUFF LANE MUSKEGON, MI 49441 | AFLAC | $23 | — | $23 | 0.03% |
| KYLE J HARRIS3 Filed as: KYLE HARRIS | 5480 PINE BLUFF LANE MUSKEGON, MI 49441 | AFLAC | $22 | — | $22 | 0.03% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $21 | — | $21 | 0.03% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 9961 SULVIAN DRIVE DUBLIN, OH 43017 | AFLAC | $17 | — | $17 | 0.02% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER AVE STE 110 #292 BRIGHTON, MI 48116 | AFLAC | $16 | — | $16 | 0.02% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $15 | — | $15 | 0.02% |
| CATHERINE NICOLE FUNNI3 | 1626 WEEPING WILLOW COURT SUPERIOR TWP, MI 48198 | AFLAC | $14 | — | $14 | 0.02% |
| KEITH LOZAR3 | 18616 RUTH STREET MELVINDALE, MI 48122 | AFLAC | $11 | — | $11 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE 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% |
| PATRICK WOLF3 | 18114 ROSETTA AVE EASTPOINTE, MI 48021 | AFLAC | $5 | — | $5 | 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% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $5 | — | $5 | 0.01% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $3 | — | $3 | 0.00% |
| DIANE MARIE JARBOE3 Filed as: DIANE B SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | AFLAC | $3 | — | $3 | 0.00% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 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 | $1 | — | $1 | 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% |
| MELISSA K SWAN3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $1 | — | $1 | 0.00% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K. HARRIS & ASSOCIATES | 950 W. NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $476 | — | $476 | 3.74% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | — | $186 | 1.46% |
| MIDWEST BENEFITS SOLUTIONS, LLC3 Filed as: MIDWEST BENEFITS SOLUTIONS INC. | 303 W. ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 1.36% |
| ROBERT J AURIN3 Filed as: ROBERT M. LANE | 303 W. ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 1.35% |
| MIKE S GAYNOR3 Filed as: MIKE S. GAYNOR | 8672 SHORE WAY DRIVE SW BRYON CENTER, MI 49315 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.98% |
| MARK D BARBIER3 Filed as: MARK D. BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.63% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.52% |
| TODD DEVOSS3 | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.16% |
| TREVOR FENNELL3 Filed as: TREVOR R. FENNELL | 133 WEST 22ND STREET NEW YORK, NY 10011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| JOSEPH A NASCA3 Filed as: JOSEPH A. NASCA | 28081 MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.03% |
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 | 186 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 65 | $74K |
| Dental | DELTA DENTAL OF MICHIGAN | 266 | $83K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 188 | $106K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 188 | $106K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 188 | $106K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 188 | $106K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 188 | $192K |
| 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."
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.