| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 9.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE #1601 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $5K | $16K | 3.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 21ST ST FL, TWO PIERCE PL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 20.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $950 | $950 | 1.80% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD ST 400 TROY, MA 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $349 | $104 | $453 | 0.86% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | AFLAC | $640 | — | $640 | 2.41% |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSEPI & ASSOC | PO BOX 631 JUPITER, FL 33468 | AFLAC | $366 | — | $366 | 1.38% |
| REHMANN INSURANCE GROUP LLC3 | 5800 GRATIOT RD, SUITE 201 SAGINAW, MI 48638 | AFLAC | $247 | — | $247 | 0.93% |
| JOHN ALEXANDER3 | 1527 S. ATLANTIC AVE APT 401 COCOA BEACH, FL 32931 | AFLAC | $157 | — | $157 | 0.59% |
| ANDREA HART SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $135 | — | $135 | 0.51% |
| STEPHEN GRACIN3 | 625 E. BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | AFLAC | $99 | — | $99 | 0.37% |
| LEONAGGEO BENEFITS INC3 | 1 E CHESTERFIELD DR BOYNTON BEACH, FL 33426 | AFLAC | $85 | — | $85 | 0.32% |
| ALAN LECLAIRE3 | 28 GEORGETOWN FORT MYERS, FL 33919 | AFLAC | $84 | — | $84 | 0.32% |
| THOMAS MICHAEL HASSEY3 | 6232 ADAMS ST JUPITER, FL 33458 | AFLAC | $68 | — | $68 | 0.26% |
| TERESA TRAPNELL3 | 1527 S. ATLANTIC AVE, SUITE 5017 COCOA BEACH, FL 32931 | AFLAC | $66 | — | $66 | 0.25% |
| EO WALTER3 LLC3 | 42906 SENATE PL NOVI, MI 48375 | AFLAC | $66 | — | $66 | 0.25% |
| C HUDSON AND ASSOCIATES3 Filed as: C HUDSON & ASSOCIATES | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $62 | — | $62 | 0.23% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS | 7598 BRIAR CLIFF CIR LAKE WORTH, FL 33467 | AFLAC | $57 | — | $57 | 0.21% |
| ALAN BERGMANN3 | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $51 | — | $51 | 0.19% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $50 | — | $50 | 0.19% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $46 | — | $46 | 0.17% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT L. TRAPNELL, JR | 15 N. INDIAN RIVER DRIVE, APT 705 COCOA, FL 32922 | AFLAC | $46 | — | $46 | 0.17% |
| ERIC D TROTOCHAUD3 Filed as: ERIC TROTOCHAUD | 16845 MEADOWBROOK HASLETT, MI 48840 | AFLAC | $40 | — | $40 | 0.15% |
| MICHELLE J HALLER3 Filed as: MICHELLE CALVIN | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $35 | — | $35 | 0.13% |
| CARMEN M BERIO VELAZQUES3 | 521 SW DUXBURY AVE PORT SAINT LUCIE, FL 34983 | AFLAC | $34 | — | $34 | 0.13% |
| STEPHANIE LAUREN BAZLEY3 | 1170 KERI ISLAND RD NAPLES, FL 34120 | AFLAC | $31 | — | $31 | 0.12% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $31 | — | $31 | 0.12% |
| JON MARTIN KETCHAM3 | 1947 142ND AVE DORR, MI 49323 | AFLAC | $31 | — | $31 | 0.12% |
| SUSAN PATTON3 | 21211 LASER LN SOUTH LYON, MI 48178 | AFLAC | $30 | — | $30 | 0.11% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $29 | — | $29 | 0.11% |
| MARY WESTER3 | 1205 OLD PARSONAGE DR MERRITT ISLAND, FL 32952 | AFLAC | $28 | — | $28 | 0.11% |
| BRENDA LYNN GARRETT3 | 205 RIVER FALLS DR APEX, NC 27539 | AFLAC | $27 | — | $27 | 0.10% |
| LARRY D DENNY3 Filed as: LARRY KESSELRING | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $27 | — | $27 | 0.10% |
| THOMAS SAYERS3 | PO BOX 8242 NEW FAIRFIELD, CT 06812 | AFLAC | $26 | — | $26 | 0.10% |
| PATRICK FULLER3 | 6381 ISLAND LAKE DR EAST LANSING, MI 48823 | AFLAC | $22 | — | $22 | 0.08% |
| GLEN PERKIN3 | 7430 FORESTVIEW DR HUDSONVILLE, MI 49426 | AFLAC | $20 | — | $20 | 0.08% |
| JEFF DAVID MCCOY3 | 206 EDGEWOOD DR WEST PALM BEACH, FL 33406 | AFLAC | $20 | — | $20 | 0.08% |
| CM FORTADO INC3 | 14031 JOHN HUMPHREY DR ORLAND PARK, IL 60462 | AFLAC | $18 | — | $18 | 0.07% |
| BRIAN DAY3 | 13169 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $17 | — | $17 | 0.06% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $16 | — | $16 | 0.06% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $16 | — | $16 | 0.06% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $13 | — | $13 | 0.05% |
| EDWARD O WALTER3 Filed as: EDWARD WALTER | PO BOX 1377 GRAND RAPIDS, MA 49501 | AFLAC | $13 | — | $13 | 0.05% |
| ROCHELLE ALEXANDER3 | 1527 S ATLANTIC AVE APT 401 COCOA BEACH, FL 32931 | AFLAC | $12 | — | $12 | 0.05% |
| CHAD JACOBSEN3 | 205 RIVER FALLS DR APEX, NC 27539 | AFLAC | $11 | — | $11 | 0.04% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $11 | — | $11 | 0.04% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $10 | — | $10 | 0.04% |
| THOMAS KRUISENGA3 | 5952 BROOKRIDGE CT SE KENTWOOD, MI 49508 | AFLAC | $9 | — | $9 | 0.03% |
| JEFFREY D HARNED3 Filed as: JEFFREY XAVER | PO BOX 809 LELAND, MI 49654 | AFLAC | $8 | — | $8 | 0.03% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | PO BOX 339 BELLAIRE, MA 49615 | AFLAC | $7 | — | $7 | 0.03% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVE BOCA RATON, FL 33432 | AFLAC | $7 | — | $7 | 0.03% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVE BOCA RATON, FL 33432 | AFLAC | $7 | — | $7 | 0.03% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CNCORD, MI 49237 | AFLAC | $6 | — | $6 | 0.02% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $6 | — | $6 | 0.02% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $5 | — | $5 | 0.02% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $5 | — | $5 | 0.02% |
| JSUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $4 | — | $4 | 0.02% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $501 | — | $501 | 10.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12750 MERIT DR STE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $98 | $111 | $209 | 4.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 ADMINISTRATOR | Consulting (general); Other fees; Float revenue; Insurance services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | 600 E. LAFAYETTE DETROIT, ME 48226 | $502K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 INSURANCE AGENT | Insurance agents and brokers; Other fees; Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions Service code 22 | BRIAN KEMPTON 2850 GOLD ROAD ROLLING MEADOWS, IL 60008 | $103K |
| GALLAGHER BENEFIT GROUP EIN 36-4291971 INSURANCE AGENT | Other fees; Insurance agents and brokers; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | JOSEPH CURTIS JR 2401 W BIG BEAVER RD, STE 400 TROY, MI 48084 | $0 |
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 | 745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 464 | $108K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,456 | $426K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,456 | $500K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,456 | $421K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,456 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,456 | — |
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.