| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81K | $9K | $91K | 10.59% |
| CAREN RUTH LIEBERMAN3 Filed as: CAREN LIEBERMAN | 4406 MAR MOOR DR LANSING, MI 48917 | AFLAC | $59K | $3K | $62K | 7.53% |
| MYRNA L MURRAY3 Filed as: MYRNA MURRAY | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $27K | $504 | $27K | 3.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $17K | — | $17K | 2.10% |
| JOAN M MCCORMICK3 Filed as: JOAN MCCORMICK | 12042 S ELK RUN TRAVRESE CITY, MI 49684 | AFLAC | $6K | — | $6K | 0.72% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | AFLAC | $3K | $504 | $4K | 0.48% |
| DOUGLAS FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $3K | $295 | $3K | 0.38% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | PO BOX 339 BELLAIRE, MI 48706 | AFLAC | $2K | — | $2K | 0.28% |
| JASON L GLICK3 Filed as: JASON GLICK | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $2K | — | $2K | 0.21% |
| JOYCE CORDES3 | PO BOX 455 HILLMAN, MI 49746 | AFLAC | $820 | — | $820 | 0.10% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $603 | $169 | $772 | 0.09% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $744 | — | $744 | 0.09% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY LOWRAN | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $705 | — | $705 | 0.09% |
| RONALD SIEGGREEN3 | 4976 LOCUST RD SAGINAW, MI 48604 | AFLAC | $544 | — | $544 | 0.07% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $502 | — | $502 | 0.06% |
| DAWN SELZER3 | 14493 68TH DR N PALM BEACH GARDENS, FL 33418 | AFLAC | $498 | — | $498 | 0.06% |
| RICHARD P SOMMERS3 Filed as: RICHARD SOMMERS | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $420 | — | $420 | 0.05% |
| DONITA J FLATT3 Filed as: DONITA FLATT | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $398 | — | $398 | 0.05% |
| CAROL A STARK3 | 19032 STONEWOOD RD RIVERVIEW, MI 48193 | AFLAC | $313 | — | $313 | 0.04% |
| COREY SOBER3 | 1301 PARK ST SAULT SAINTE MARIE, MI 49783 | AFLAC | $232 | — | $232 | 0.03% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $227 | — | $227 | 0.03% |
| TAMIE E KAUFMAN3 Filed as: TAMIE KAUFMAN | 1101 E HECTOR ST UNIT 461 CONSHOHOCKEN, PA 19428 | AFLAC | $205 | — | $205 | 0.03% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $155 | — | $155 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $146 | — | $146 | 0.02% |
| PATRICK FULLER3 | 6381 ISLAND LAKE DR EAST LANSING, MI 48823 | AFLAC | $127 | — | $127 | 0.02% |
| RACHEL WHITE3 | 122 S UNION ST STE 201 TRAVERSE CITY, MI 49684 | AFLAC | $106 | — | $106 | 0.01% |
| THE HORTON GROUP3 Filed as: KRISTEN HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $102 | — | $102 | 0.01% |
| MARK GORNO3 | 2946 RIVERSIDE DR TRENTON, MI 48183 | AFLAC | $79 | — | $79 | 0.01% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $77 | — | $77 | 0.01% |
| HELEN H WOODWARD LIVING TRUST3 | 2101 WESTLAKE AVE N UNIT 201 SEATTLE, WA 98109 | AFLAC | $76 | — | $76 | 0.01% |
| GLORIA HANSEN3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $74 | — | $74 | 0.01% |
| BRIAN DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $67 | — | $67 | 0.01% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $67 | — | $67 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID NAGENGAST | 3487 S LINDEN RD STE Z FLINT, MI 48507 | AFLAC | $41 | — | $41 | 0.01% |
| EDWARD D SOMMER3 Filed as: EDWARD VANWINKLE | 3100 BOOT LN SE CALEDONIA, MI 49316 | AFLAC | $39 | — | $39 | 0.00% |
| CAROL CAMPBELL3 | 703 WASHINGTON AVE STE 250 BAY CITY, MI 48708 | AFLAC | $39 | — | $39 | 0.00% |
| LINDA J HARGER3 Filed as: LINDA HARGER | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $35 | — | $35 | 0.00% |
| BRYAN PUNG3 | 7572 YARBERRY CT GRAND LEDGE, MI 48837 | AFLAC | $33 | — | $33 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: SANDRA OSWALD | 4128 9 MILE RD REMUS, MI 49340 | AFLAC | $29 | — | $29 | 0.00% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $29 | — | $29 | 0.00% |
| CHARLES SHEPPARD3 | 103 N ERIE ST BAY CITY, MI 48706 | AFLAC | $23 | — | $23 | 0.00% |
| SANDRA MAVES3 | 3231 BOWMAN RD ALANSON, MI 49706 | AFLAC | $22 | — | $22 | 0.00% |
| TAMMY TRAVIS3 | 116 WINIFRED AVE LANSING, MI 48917 | AFLAC | $20 | — | $20 | 0.00% |
| JANICE HERRINGSHAW3 | 604 DEER RUN BLVD PRUDENVILLE, MI 48651 | AFLAC | $20 | — | $20 | 0.00% |
| MARC BAILLARGEON3 | 4624 WILD PINE CT N MIDLAND, MI 48642 | AFLAC | $19 | — | $19 | 0.00% |
| RONALD D SOBER III3 Filed as: RONALD SOBER III | 1229 SCOTTS COURT CHARLEVOIX, MI 49720 | AFLAC | $18 | — | $18 | 0.00% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $17 | — | $17 | 0.00% |
| MEGHAN M TILTON3 Filed as: MEGHAN TILTON | 6813 CHERRYWOOD DR KINGSLEY, MI 49649 | AFLAC | $11 | — | $11 | 0.00% |
| JEFFREY D HARNED3 Filed as: JEFFREY XAVER | 5300 EAGLES NEST LN LELAND, MI 49654 | AFLAC | $11 | — | $11 | 0.00% |
| DAVID T BARCZAK3 Filed as: DAVID BARCZAK | 4245 COURTSIDE DR WILLIAMSTON, MI 48895 | AFLAC | $11 | — | $11 | 0.00% |
| KARLA HAWKINS3 | 6602 WILKINSON RD GAYLORD, MI 49735 | AFLAC | $10 | — | $10 | 0.00% |
| GERALD THORP AGENCY LLC3 Filed as: GERALD THORP | 1813 SUNSET DR CARIO, MI 48723 | AFLAC | $9 | — | $9 | 0.00% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $9 | — | $9 | 0.00% |
| EMILIE CAMPBELL3 | 18 MEACHAM AVE PARK RIDGE, IL 60068 | AFLAC | $9 | — | $9 | 0.00% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $9 | — | $9 | 0.00% |
| JANET PAETZ3 | PO BOX 2527 MIDLAND, MI 48641 | AFLAC | $8 | — | $8 | 0.00% |
| DONNA ROSS SMITH3 Filed as: DONNA TAACK | 12305 S MERRILL RD BRANT, MI 48614 | AFLAC | $8 | — | $8 | 0.00% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $7 | — | $7 | 0.00% |
| JENNIFER GLICK3 | 2675 HEMMETER RD SAGINAW, MI 48603 | AFLAC | $6 | — | $6 | 0.00% |
| DJD BENEFITS LLC3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $6 | — | $6 | 0.00% |
| ROBERT GANSSER3 | 2292 SOUTHGATE DR SE GRAND RAPIDS, MI 49508 | AFLAC | $6 | — | $6 | 0.00% |
| DEBORAH HOWLAND3 Filed as: DEBORAH FOERSTER | 3729 JUNIPER LN VIRGINIA BEACH, VA 23456 | AFLAC | $5 | — | $5 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL QUINN | 8580 MAJORCA LN NAPLES, FL 34114 | AFLAC | $3 | — | $3 | 0.00% |
| LYNNE M HARVEY3 Filed as: LYNNE HARVERY | 307 S MAPLE AVE GAYLORD, MI 49735 | AFLAC | $2 | — | $2 | 0.00% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $2 | — | $2 | 0.00% |
| F MOUTSATSON3 | 18268 FOWLER RD LAKE ANN, MI 49650 | AFLAC | $2 | — | $2 | 0.00% |
| ASSOCIATION BENEFITS CO3 | 27333 MEADOWBROOKS RD STE 230 NOVI, MI 48377 | AFLAC | $1 | — | $1 | 0.00% |
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 | 2,435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $856K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $856K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $856K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 735 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.