| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEOFFREY B FINGER3 | 221 S CHURCH ST BOWLING GREEN, OH 434023402 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $85K | $5K | $90K | 4.13% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH ST BOWLING GREEN, OH 43402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 6.91% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.95% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 121 N MARKET ST WOOSTER, OH 44691 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.19% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | ALFAC | $1K | $120 | $1K | 6.82% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET STREET STE 600 WOOSTER, OH 44691 | ALFAC | $465 | — | $465 | 2.27% |
| MARK A RAYMER3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | ALFAC | $263 | — | $263 | 1.29% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER AVE STE 110 #292 BRIGHTON, MI 48116 | ALFAC | $206 | — | $206 | 1.01% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | ALFAC | $150 | $20 | $170 | 0.83% |
| ELIZABETH MARIE STAKOE3 | 2830 THEDFORD RD BLOOMFIELD HILLS, MI 48304 | ALFAC | $148 | — | $148 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | ALFAC | $118 | — | $118 | 0.58% |
| NANCY ANN CLEMENTS3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | ALFAC | $86 | — | $86 | 0.42% |
| JULIE A HOLDERNESS3 | 1675 KILBURN RD N ROCHESTER HILLS, MI 48306 | ALFAC | $70 | — | $70 | 0.34% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | ALFAC | $62 | — | $62 | 0.30% |
| ADAM H. HONRATH3 Filed as: ADAM H HONRATH | 128 BUTTERCUP CT WHITEHOUSE STATION, NJ 08889 | ALFAC | $34 | — | $34 | 0.17% |
| KEVIN J NIEDERAUER3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | ALFAC | $26 | — | $26 | 0.13% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | ALFAC | $25 | — | $25 | 0.12% |
| AG AND ASSOCIATES3 | 2150 ASSOCATION DR SUITE 150 OKEMOS, MI 48864 | ALFAC | $23 | — | $23 | 0.11% |
| JENNIFER TENCH3 Filed as: JENNIFER ERWIN | 1902 DORRELL RD AYLETT, VA 23009 | ALFAC | $17 | — | $17 | 0.08% |
| ALAN BERGMANN3 | 284 TWIN PONDS DR OKEMOS, MI 48864 | ALFAC | $13 | — | $13 | 0.06% |
| CYNTHIA A LAFOUNTAIN3 | 12645 ANN LYNN DR SOUTH LYON, MI 48178 | ALFAC | $12 | — | $12 | 0.06% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | ALFAC | $12 | — | $12 | 0.06% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DR GLEN ALLEN, VA 23060 | ALFAC | $11 | — | $11 | 0.05% |
| MARY A GARDAI3 | 22323 OXFORD ST DEARBORN, MI 48124 | ALFAC | $11 | — | $11 | 0.05% |
| ELIZABETH MARIE STAKOE3 Filed as: ELIZABETH M STAKOE | 2830 THEDFORD RD BLOOMFIELD HILLS, MI 48304 | ALFAC | $11 | — | $11 | 0.05% |
| JENNIFER TENCH3 | 1902 DORRELL RD AYLETT, VA 23009 | ALFAC | $10 | — | $10 | 0.05% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | ALFAC | $8 | — | $8 | 0.04% |
| JOSHUA P SAUNDERS3 | 17 OAK LN RANDOLPH, NJ 07869 | ALFAC | $8 | — | $8 | 0.04% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | ALFAC | $7 | — | $7 | 0.03% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | ALFAC | $7 | — | $7 | 0.03% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | ALFAC | $5 | — | $5 | 0.02% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | ALFAC | $4 | — | $4 | 0.02% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | ALFAC | $4 | — | $4 | 0.02% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | ALFAC | $3 | — | $3 | 0.01% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | ALFAC | $3 | — | $3 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | ALFAC | $3 | — | $3 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | ALFAC | $2 | — | $2 | 0.01% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | ALFAC | $2 | — | $2 | 0.01% |
| RENEE M TRUDEAU3 | 30229 SCHOENHERR RD STE 100 WARREN, MI 48088 | ALFAC | $2 | — | $2 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | ALFAC | $2 | — | $2 | 0.01% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | ALFAC | $2 | — | $2 | 0.01% |
| JAMES C SNIDER JR3 | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | ALFAC | $2 | — | $2 | 0.01% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | ALFAC | $1 | — | $1 | 0.00% |
| DIANE MARIE JARBOE3 Filed as: DIANE B SANDERS | 1567 ARCHWOOD DR HOLT, MI 48842 | ALFAC | $1 | — | $1 | 0.00% |
| TARA MICHELLE D AGOSTINO3 | 271 US HIGHWAY 46 STE D207 FAIRFIELD, NE 07004 | ALFAC | $1 | — | $1 | 0.00% |
| THOMAS W RINGWALD3 Filed as: THOMAS K RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | ALFAC | $1 | — | $1 | 0.00% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | ALFAC | $1 | — | $1 | 0.00% |
| RUSSELL TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | ALFAC | $1 | — | $1 | 0.00% |
| HUNTINGTON INSURANCE INC3 | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.98% |
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 | 949 | 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) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 423 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 355 | $210K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $36K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 949 | $18K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 423 | $2.2M |
| Other(2 contracts, 2 carriers) | ALFAC | 949 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 949 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.