| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | AFLAC | $657 | $14 | $671 | 3.17% |
| SUZANNE T EUSEPI-GREEN3 | 216 RIVER DR TEQUESTA, FL 33469 | AFLAC | $249 | — | $249 | 1.18% |
| JOHN ALEXANDER3 | 2274 BRIGHTWOOD CIR APT 401 ROCKLEDGE, FL 32955 | AFLAC | $158 | — | $158 | 0.75% |
| STEPHEN GRACIN3 | 625 E. BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | AFLAC | $78 | $0 | $78 | 0.37% |
| CHERYL A STIFF3 | 5500 OLEY LAKE RD GAYLORD, MI 49735 | AFLAC | $63 | — | $63 | 0.30% |
| TERESA TRAPNELL3 | 1527 S. ATLANTIC AVE, SUITE 5017 COCOA BEACH, FL 32931 | AFLAC | $58 | — | $58 | 0.27% |
| ALAN BERGMANN3 | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $56 | — | $56 | 0.26% |
| LEONAGGEO BENEFITS INC3 | 1 E CHESTERFIELD DR BOYNTON BEACH, FL 33426 | AFLAC | $55 | — | $55 | 0.26% |
| ANDREA HART SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $55 | — | $55 | 0.26% |
| THOMAS MICHAEL HASSEY3 | 6232 ADAMS ST JUPITER, FL 33458 | AFLAC | $46 | — | $46 | 0.22% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT L. TRAPNELL, JR | 1656 GRAND ISLE BLVD MELBOURNE, FL 32940 | AFLAC | $45 | — | $45 | 0.21% |
| REBEKAH FUSSELL3 | 11007 CREIGHTON DR ORLANDO, FL 32817 | AFLAC | $39 | — | $39 | 0.18% |
| ROBIN PONCE3 | 2849 ROXBURY RD WINTER PARK, FL 32789 | AFLAC | $37 | — | $37 | 0.17% |
| MICHELLE J HALLER3 Filed as: MICHELLE CALVIN | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $37 | — | $37 | 0.17% |
| CARMEN M BERIO VELAZQUES3 | 521 SW DUXBURY AVE PORT SAINT LUCIE, FL 34983 | AFLAC | $37 | — | $37 | 0.17% |
| JON MARTIN KETCHAM3 | 1947 142ND AVE DORR, MI 49323 | AFLAC | $34 | — | $34 | 0.16% |
| C HUDSON AND ASSOCIATES3 Filed as: C HUDSON & ASSOCIATES | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $33 | — | $33 | 0.16% |
| SUSAN PATTON3 | 21211 LASER LN SOUTH LYON, MI 48178 | AFLAC | $33 | — | $33 | 0.16% |
| BRENT JASON EMERICK3 | 802 SPRINGWOOD DR PRUDENVILLE, MI 48651 | AFLAC | $33 | — | $33 | 0.16% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $31 | — | $31 | 0.15% |
| CALUM FORTANDO3 | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | AFLAC | $30 | — | $30 | 0.14% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6201 RIVER RD APT 1305 COLUMBUS, GA 31904 | AFLAC | $29 | — | $29 | 0.14% |
| RENEE M TRUDEAU3 | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | AFLAC | $28 | — | $28 | 0.13% |
| THOMAS SAYERS3 | PO BOX 8242 NEW FAIRFIELD, CT 06812 | AFLAC | $28 | — | $28 | 0.13% |
| MARY WESTER3 | 1205 OLD PARSONAGE DR MERRITT ISLAND, FL 32952 | AFLAC | $26 | — | $26 | 0.12% |
| JEFF DAVID MCCOY3 | 212 SW 1ST AVE DELRAY BEACH, FL 33444 | AFLAC | $26 | — | $26 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MW LIMITED | 203 N LA SALLE SREET FLOOR 20 WINTER PARK, FL 60601 | AFLAC | $25 | — | $25 | 0.12% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS | 7598 BRIAR CLIFF CIR LAKE WORTH, FL 33467 | AFLAC | $24 | — | $24 | 0.11% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $22 | — | $22 | 0.10% |
| JAY ELLMYER3 | 8716 COBBLESTONE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $21 | — | $21 | 0.10% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $20 | — | $20 | 0.09% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $17 | — | $17 | 0.08% |
| LARRY D DENNY3 Filed as: LARRY KESSELRING | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $14 | — | $14 | 0.07% |
| RICHARD P SOMMERS3 | 861 AUGUSTA DR ROCHESTER, MI 48309 | AFLAC | $14 | — | $14 | 0.07% |
| ROCHELLE A ALEXANDER3 | 2274 BRIGHTWOOD CIR APT 401 ROCKLEDGE, FL 32955 | AFLAC | $13 | — | $13 | 0.06% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $12 | — | $12 | 0.06% |
| LISA MARIE LAING3 | 3840 FORESTER BLVD AUBURN HILLS, MI 48326 | AFLAC | $11 | — | $11 | 0.05% |
| BRIAN DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $9 | — | $9 | 0.04% |
| JEFFREY D HARNED3 Filed as: JEFFREY XAVER | PO BOX 809 LELAND, MI 49654 | AFLAC | $9 | — | $9 | 0.04% |
| STEPHANIE LAUREN BAZLEY3 | 5111 CORAL WOOD DR NAPLES, FL 34119 | AFLAC | $8 | — | $8 | 0.04% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVE BOCA RATON, FL 33432 | AFLAC | $8 | — | $8 | 0.04% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $8 | — | $8 | 0.04% |
| CINDY DEBRA WEISS3 | PO BOX 149505 ORLANDO, FL 32814 | AFLAC | $7 | — | $7 | 0.03% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $6 | — | $6 | 0.03% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | PO BOX 339 BELLAIRE, MA 49615 | AFLAC | $6 | — | $6 | 0.03% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $5 | — | $5 | 0.02% |
| HAROLD L STAFFORD3 | 4930 VILLAGE GREEN DR EL DORADO HILLS, CA 95762 | AFLAC | $4 | — | $4 | 0.02% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $4 | — | $4 | 0.02% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $4 | — | $4 | 0.02% |
| CHAD JACOBSEN3 | 205 RIVER FALLS DR APEX, NC 27539 | AFLAC | $4 | — | $4 | 0.02% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MYERS, FL 33913 | AFLAC | $0 | — | $0 | 0.00% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $0 | — | $0 | 0.00% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD ST 400 TROY, MA 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $75 | $2K | 14.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 W LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $831 | — | $831 | 5.57% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $572 | $128 | $700 | 15.92% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $220 | — | $220 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 ADMINISTRATOR | Other fees; Consulting (general); Insurance services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Claims processing Service code 12 | 600 E. LAFAYETTE DETROIT, ME 48226 | $687K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 INSURANCE AGENT | Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other fees; Other commissions Service code 22 | MICHAEL NIXON 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | $106K |
| HYLANT GROUP INC. | Insurance agents and brokers; Other commissions; Other fees; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | — | $8K |
| HYLANT GROUP, INC. INSURANCE AGENT | Other fees; Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 2401 W BIG BEAVER RD, STEE 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 | 871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 959 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,715 | $524K |
| Vision | VISION SERVICE PLAN | 619 | $142K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2 | $4K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 302 | $36K |
| Other | AFLAC | 29 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,715 | — |
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."
No prospect flags tripped on this filing.