| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IBRAHIM REHMAT LLC3 | 2575 WALTON BLVD ROCHESTER HILLS, MI 48309 | TOTAL HEALTHCARE USA INC | $60K | — | $60K | 8.02% |
| IBRAHIM REHMAT LLC3 | 2575 WALTON ROCHESTER, MI 48309 | TOTAL HEALTHCARE USA | $60K | — | $60K | 8.02% |
| IBRAHIM REHMAT LLC3 | 2575 WALTON ROCHESTER, MI 48309 | TOTAL HEALTHCARE USA | $23K | — | $23K | 4.18% |
| IBRAHIM REHMAT LLC3 | 2575 WALTON ROCHESTER, MI 48309 | TOTAL HEALTHCARE USA | $42K | — | $42K | 8.14% |
| IBRAHIM REHMAT LLC3 | 2575 WALTON ROCHESTER, MI 48309 | TOTAL HEALTHCARE USA | — | — | $0 | 0.00% |
| IBRAHIM REHMAT LLC3 Filed as: IBRAHIM REHMAT | 2575 WALTON BLVD ROCHESTER HILLS, MI 48309 | TOTAL HEALTHCARE USA INC | $8K | — | $8K | 3.38% |
| IBRAHIM REHMAT LLC3 | 2575 WALTON ROCHESTER, MI 48309 | TOTAL HEALTHCARE USA | $17K | — | $17K | 7.43% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $1K | $1K | 0.89% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $8K | $4K | $11K | 9.39% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $7K | $3K | $10K | 8.42% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $1K | $1K | 0.86% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $916 | $916 | 0.90% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $3K | $3K | 2.51% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $6K | $2K | $8K | 8.24% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $6K | $2K | $8K | 8.75% |
| BRIAN KELLY3 | 44420 CHARNWOOD DR PLYMOUTH, MI 48170 | AFLAC | $7K | $262 | $7K | 7.52% |
| THOMAS DANKO3 | 51110 SHADOW RIDGE DR MACOMB, MI 48042 | AFLAC | $1K | $52 | $2K | 1.66% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 49540 | AFLAC | $349 | $52 | $401 | 0.44% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $356 | — | $356 | 0.39% |
| SARA SLACK3 | 1517 MILL ST LINCOLN PARK, MI 48146 | AFLAC | $352 | — | $352 | 0.39% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 2461 W STATE RD 426 STE 2061 OVIDEO, FL 32765 | AFLAC | $307 | $24 | $331 | 0.36% |
| JASON SCZEPANIAK3 | 4001 FELLAND DR STE 106 MADISON, WI 53718 | AFLAC | $230 | — | $230 | 0.25% |
| STEPHANIE DANKO3 | 51110 SHADOW RIDGE MACOMB, MI 48042 | AFLAC | $186 | — | $186 | 0.20% |
| STEVEN PETERSON3 | 1398 JUDD RD SALINE, MI 48176 | AFLAC | $182 | — | $182 | 0.20% |
| BRADLEY BAUGHMAN3 | 580 FOREST AVE STE 6B PLYMOUTH, MI 48170 | AFLAC | $173 | — | $173 | 0.19% |
| BERNARD HUMPHREY3 | 2529 PINE DR WIXOM, MI 48393 | AFLAC | $170 | — | $170 | 0.19% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON CT CLINTON TWP, MI 48035 | AFLAC | $158 | — | $158 | 0.17% |
| BRYNN ALLEN3 | 14452 PERE ST LIVONIA, ME 48154 | AFLAC | $138 | — | $138 | 0.15% |
| SANDRA FARBER BOSK3 Filed as: SANDRA FARBER-BOSK | 918 N LINCOLN RD ESCANABA, MI 49829 | AFLAC | $125 | — | $125 | 0.14% |
| HILLARY NEWCOMB3 | 31201 CHICAGO RD SOUTH STE A103 WARREN, MI 48093 | AFLAC | $120 | — | $120 | 0.13% |
| CHARLES ROBERTS3 | 508 MICHAYWE DR GAYLORD, MI 49735 | AFLAC | $118 | — | $118 | 0.13% |
| ALAN BERGMANN3 | 707 PRUDDEN ST UNIT 101 LANSING, MI 48906 | AFLAC | $111 | — | $111 | 0.12% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGCY | 580 FOREST AVE 6B PLYMOUTH, MI 48170 | AFLAC | $101 | — | $101 | 0.11% |
| GREG W WOOLLEY3 Filed as: GREG BEST | 3487 S LINDEN RD STE Z FLINT, MI 48507 | AFLAC | $96 | — | $96 | 0.11% |
| MICHAEL WALZ3 | 1350 E M 21 RM 205 OWOSSO, MI 48867 | AFLAC | $95 | — | $95 | 0.10% |
| DAVID C NAGENGAST3 Filed as: DAVID NEGENGAST | 3487 S LINDEN RD STE Z FLINT, MI 48507 | AFLAC | $90 | — | $90 | 0.10% |
| SHARI ROBIN POWERS3 | 31201 CHICAGO RD S STE A103 WARREN, MI 48093 | AFLAC | $55 | — | $55 | 0.06% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY LOWRAN | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $53 | — | $53 | 0.06% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 2150 ASSOCIATE DR STE 150 OKEMOS, MI 48864 | AFLAC | $47 | — | $47 | 0.05% |
| DOLLY J STEVENS3 | 918 N LINCOLN RD ESCANABA, MI 49829 | AFLAC | $39 | — | $39 | 0.04% |
| ALLEN MOODY3 | 725 CARDINAL DRIVE MARYSVILLE, MI 48098 | AFLAC | $32 | — | $32 | 0.04% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $31 | — | $31 | 0.03% |
| KRAIG SEXTON3 | 9864 E GRAND RIVER AVE STE 110 #292 BRIGHTON, MI 48116 | AFLAC | $31 | — | $31 | 0.03% |
| STEPHEN SWARTZ3 | 5220 SUDER AVE TOLEDO, OH 43611 | AFLAC | $31 | — | $31 | 0.03% |
| DEREK RAY BLAIS3 Filed as: DEREK BLAIS | 4959 N FOSTER ST FOUNTAIN, MI 49410 | AFLAC | $30 | — | $30 | 0.03% |
| THOMAS FRAZEE3 | 5318 HIDDEN PINES CT BRIGHTON, MI 48119 | AFLAC | $27 | — | $27 | 0.03% |
| LAGONZA MAY3 | 26704 YALE ST INKSTER, ME 48141 | AFLAC | $23 | — | $23 | 0.03% |
| MYRNA L MURRAY3 Filed as: MYRNA MURRAY | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $20 | — | $20 | 0.02% |
| DAMIEN SCZEPANIAK3 | 51534 CAROLINE DR CHESTERFIELD, MI 48047 | AFLAC | $17 | — | $17 | 0.02% |
| LARRY E KESSELRING3 Filed as: LARRY KESSERLING | 26200 TOWN CENTER DRIVE NOVI, MI 48375 | AFLAC | $15 | — | $15 | 0.02% |
| KRISTIN LATTRELL3 Filed as: KRISTIN LATTREL | 535 MAIN ST APT 1346 NASHVILLE, TN 37206 | AFLAC | $14 | — | $14 | 0.02% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $14 | — | $14 | 0.02% |
| EMILIE CAMPBELL3 | 18 MEACHAM AVE PARK RIDGE, IL 60068 | AFLAC | $11 | — | $11 | 0.01% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $9 | — | $9 | 0.01% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DR SUITE 150 OKEMOS, ME 48864 | AFLAC | $9 | — | $9 | 0.01% |
| JULIANE SZCEPANIAK3 Filed as: JULIANE SCZEPANIAK | 2557 E 269TH RD PERU, IL 61354 | AFLAC | $6 | — | $6 | 0.01% |
| JOSHUA DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $4 | — | $4 | 0.00% |
| DENA E GABRY3 Filed as: DENA GABRY | 26400 LAHSER RD STE 109 SOUTHFIELD, MI 48033 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL QUINN | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $1 | — | $1 | 0.00% |
| ALAN J ZUCCARI INC3 Filed as: ALAN BERGMAN | 284 TWIN PONDS OKEMOS, MI 49333 | AFLAC | $1 | — | $1 | 0.00% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $3K | $3K | 3.55% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $4K | $4K | 4.37% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $5K | $2K | $8K | 9.06% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, ME 48126 | HCC LIFE | — | $1K | $1K | 1.64% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $5K | $3K | $7K | 10.40% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $5K | $3K | $8K | 11.54% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $4K | $2K | $6K | 9.70% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $2K | $2K | 3.70% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $2K | $2K | 3.44% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $4K | $3K | $6K | 11.15% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $3K | $1K | $5K | 8.39% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $1K | $1K | 1.95% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC | — | $2K | $2K | 3.54% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $846 | $846 | 1.79% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $3K | $2K | $4K | 9.99% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $311 | $311 | 0.82% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $276 | $276 | 0.80% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $1K | $670 | $2K | 9.67% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | $1K | $773 | $2K | 11.42% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $485 | $485 | 4.52% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $137 | $137 | 1.44% |
| IBRAHIM REHMAT LLC3 | 2575 WALTON ROCHESTER, MI 48309 | TOTAL HEALTHCARE USA | — | — | $0 | 0.00% |
| IBRAHIM REHMAT LLC3 Filed as: IBRAHIM REHMAT | 2575 WALTON BLVD ROCHESTER HILLS, MI 48309 | TOTAL HEALTHCARE USA INC | — | — | $0 | 0.00% |
| IBRAHIM REHMAT LLC3 | 2575 WALTON ROCHESTER, MI 48309 | TOTAL HEALTHCARE USA | — | — | $0 | 0.00% |
| NEW MILLENIUM FINANCE3 | 6200 SCHAEFER DEARBORN, MI 48126 | HCC LIFE | — | $722 | $722 | — |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(30 contracts, 3 carriers) | HCC LIFE | 87 | $2.1M |
| Dental(27 contracts, 3 carriers) | HCC LIFE | 234 | $1.9M |
| Vision(37 contracts, 4 carriers) | TOTAL HEALTHCARE USA INC | 201 | $5.3M |
| Life insurance | AFLAC | 74 | $91K |
| Short-term disability | AFLAC | 74 | $91K |
| Prescription drug(39 contracts, 3 carriers) | TOTAL HEALTHCARE USA INC | 201 | $5.4M |
| Stop-loss / reinsurancereinsurance(29 contracts, 2 carriers) | HCC LIFE | 87 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.