| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEOFFREY B FINGER3 | 37 W. BROAD ST 7TH FL COLUMBUS, OH 43215 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $83K | $2K | $85K | 3.91% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $12 | $32K | 9.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $10K | $23K | 7.08% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 4.17% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $235 | $28 | $263 | 2.44% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER AVE STE 110 #292 BRIGHTON, MI 48116 | AFLAC | $179 | — | $179 | 1.66% |
| MARK A RAYMER3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $150 | — | $150 | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $105 | — | $105 | 0.97% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET STREET STE 600 WOOSTER, OH 44691 | AFLAC | $91 | — | $91 | 0.84% |
| NANCY ANN CLEMENTS3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $75 | — | $75 | 0.70% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $48 | $5 | $53 | 0.49% |
| ADAM H. HONRATH3 Filed as: ADAM H HONRATH | 128 BUTTERCUP CT WHITEHOUSE STATION, NJ 08889 | AFLAC | $34 | — | $34 | 0.32% |
| JENNIFER TENCH3 | 1902 DORRELL RD AYLETT, VA 23009 | AFLAC | $27 | — | $27 | 0.25% |
| KEVIN J NIEDERAUER3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $26 | — | $26 | 0.24% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | AFLAC | $25 | — | $25 | 0.23% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $20 | — | $20 | 0.19% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $12 | — | $12 | 0.11% |
| ELIZABETH MARIE STAKOE3 | 2830 THEDFORD RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $11 | — | $11 | 0.10% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DR GLEN ALLEN, VA 23060 | AFLAC | $11 | — | $11 | 0.10% |
| JULIE A HOLDERNESS3 | 1675 KILBURN RD N ROCHESTER HILLS, MI 48306 | AFLAC | $9 | — | $9 | 0.08% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $7 | — | $7 | 0.06% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $6 | — | $6 | 0.06% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.05% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $3 | — | $3 | 0.03% |
| SPAZ AND GLAUB ENTERPRISES3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $2 | — | $2 | 0.02% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $2 | — | $2 | 0.02% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | — | $2 | 0.02% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $2 | — | $2 | 0.02% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | — | $2 | 0.02% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVENUE JERSEY CITY, NJ 07307 | AFLAC | $2 | — | $2 | 0.02% |
| CYNTHIA A LAFOUNTAIN3 | 12645 ANN LYNN DR SOUTH LYON, MI 48178 | AFLAC | $1 | — | $1 | 0.01% |
| MARY A GARDAI3 | 22323 OXFORD ST DEARBORN, MI 48124 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES C SNIDER JR3 | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $1 | — | $1 | 0.01% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1 | — | $1 | 0.01% |
| RUSSELL TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $1 | — | $1 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $1 | — | $1 | 0.01% |
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 | 1,118 | 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) | 1,118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 451 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,118 | $325K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,118 | $325K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,118 | $325K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,118 | $325K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 451 | $2.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,118 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,118 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.