| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104K | $13K | $117K | 10.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $440K | — | $440K | 55.24% |
| MYRNA L MURRAY3 Filed as: MYRNA MURRAY | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $23K | $38 | $23K | 2.86% |
| CAREN RUTH LIEBERMAN3 Filed as: CAREN LIEBERMAN | 4406 MAR MOOR DR LANSING, MI 48917 | AFLAC | $7K | $188 | $7K | 0.91% |
| JOAN M MCCORMICK3 Filed as: JOAN MCCORMICK | 12042 S ELK RUN TRAVERSE CITY, MI 49684 | AFLAC | $865 | — | $865 | 0.11% |
| DOUGLAS FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $352 | — | $352 | 0.04% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $317 | — | $317 | 0.04% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | AFLAC | $251 | $38 | $289 | 0.04% |
| JASON L GLICK3 Filed as: JASON GLICK | 7628 GRATIOT RD RM 101 SAGINAW, MI 48609 | AFLAC | $233 | — | $233 | 0.03% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $215 | — | $215 | 0.03% |
| JOYCE CORDES3 | PO BOX 455 HILLMAN, MI 49746 | AFLAC | $118 | — | $118 | 0.01% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY LOWRAN | 9553 E WALKABOBUT LN TRAVERSE CITY, MI 49684 | AFLAC | $109 | — | $109 | 0.01% |
| RICHARD P SOMMERS3 Filed as: RICHARD SOMMERS | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $82 | — | $82 | 0.01% |
| NORTHERN BENEFITS NETWORK3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | AFLAC | $71 | — | $71 | 0.01% |
| DAWN SELZER3 | 14493 68TH DR N PALM BEACH GARDENS, FL 33418 | AFLAC | $70 | — | $70 | 0.01% |
| RONALD SIEGGREEN3 | 4976 LOCUST RD SAGINAW, MI 48604 | AFLAC | $66 | — | $66 | 0.01% |
| DONITA J FLATT3 Filed as: DONITA FLATT | N7730 KRAUSE RD ENGADINE, MI 49827 | AFLAC | $47 | — | $47 | 0.01% |
| CAROL A STARK3 | 19032 STONEWOOD RD RIVERVIEW, MI 48193 | AFLAC | $44 | — | $44 | 0.01% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $35 | — | $35 | 0.00% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $29 | $3 | $32 | 0.00% |
| TAMIE E KAUFMAN3 Filed as: TAMIE KAUFMAN | 1101 E HECTOR ST UNIT 461 CONSHOHOCKEN, PA 19428 | AFLAC | $29 | — | $29 | 0.00% |
| COREY SOBER3 | 1301 PARK ST SAULT SAINTE MARIE, MI 49783 | AFLAC | $25 | — | $25 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $23 | — | $23 | 0.00% |
| THE HORTON GROUP3 Filed as: KRISTIN HORTON | 6275 THEISEN RD ELMIRA, MI 49730 | AFLAC | $19 | — | $19 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $16 | — | $16 | 0.00% |
| MARK GORNO3 | 2946 RIVERSIDE DR TRENTON, MI 48183 | AFLAC | $14 | — | $14 | 0.00% |
| PATRICK FULLER3 | 6381 ISLAND LAKE DR EAST LANSING, MI 48823 | AFLAC | $13 | — | $13 | 0.00% |
| CAROL CAMPBELL3 | 703 WASHINGTON AVE STE 250 BAY CITY, MI 48708 | AFLAC | $13 | — | $13 | 0.00% |
| HELEN H WOODWARD LIVING TRUST3 | 2101 WESTLAKE AVE N UNIT 201 SEATTLE, WA 98109 | AFLAC | $13 | — | $13 | 0.00% |
| ALAN BERMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $11 | — | $11 | 0.00% |
| SARA MENZEL3 | 524 E OHIO ST MARQUETTE, MI 49855 | AFLAC | $10 | — | $10 | 0.00% |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $8 | — | $8 | 0.00% |
| GLORIA HANSEN3 | 2114 BOSTON BLVD STE 2 LANSING, MI 48910 | AFLAC | $8 | — | $8 | 0.00% |
| DAVID C NAGENGAST3 Filed as: DAVID NADENGAST | 3487 S LINDEN RD STE Z FLINT, MI 48507 | AFLAC | $8 | — | $8 | 0.00% |
| RACHEL WHITE3 | 122 S UNION ST STE 201 TRAVERSE CITY, MI 49684 | AFLAC | $7 | — | $7 | 0.00% |
| BRIAN DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $7 | — | $7 | 0.00% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $3 | $4 | $7 | 0.00% |
| EDWARD D SOMMER3 Filed as: EDWARD VANWINKLE | 3100 BOOT LN SE CALEDONIA, MI 49316 | AFLAC | $6 | — | $6 | 0.00% |
| LINDA J HARGER3 Filed as: LINDA HARGER | 3526 BERMUDA AVE SAULT SAINTE MARIE, MI 49783 | AFLAC | $6 | — | $6 | 0.00% |
| CHARLES SHEPPARD3 | 103 N ERIE ST BAY CITY, MI 48706 | AFLAC | $4 | — | $4 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: SANDRA OSWALD | 4128 9 MILE RD REMUS, MI 49340 | AFLAC | $4 | — | $4 | 0.00% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $4 | — | $4 | 0.00% |
| TIMOTHY MEAD3 | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $4 | — | $4 | 0.00% |
| TIMOTHY MEAD3 | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $4 | — | $4 | 0.00% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $4 | — | $4 | 0.00% |
| TIMOTHY MEAD3 | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $4 | — | $4 | 0.00% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $4 | — | $4 | 0.00% |
| TAMMY TRAVIS3 | 116 WINIFRED AVE LANSING, MI 48917 | AFLAC | $4 | — | $4 | 0.00% |
| SANDRA MAVES3 | 3231 BOWMAN RD ALANSON, MI 49706 | AFLAC | $4 | — | $4 | 0.00% |
| RONALD D SOBER III3 Filed as: RONALD SOBER II | 1229 SCOTTS COURT CHARLEVOIX, MI 49720 | AFLAC | $4 | — | $4 | 0.00% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | $2 | $4 | 0.00% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 6370 PINE HALLOW DR EAST LANSING, MI 48823 | AFLAC | $2 | $2 | $4 | 0.00% |
| MARC BAILLARGEON3 | 4624 WILD PINE CT N MIDLAND, MI 49642 | AFLAC | $3 | — | $3 | 0.00% |
| TRACY E BIELACZYC3 Filed as: TRACY BIELACZYC | 1621 PINCHERRY RD TRAVERSE CITY, MI 49696 | AFLAC | $3 | — | $3 | 0.00% |
| MEGHAN M TILTON3 Filed as: MEGHAN TILTON | 6813 CHERRYWOOD DR KINGSLEY, MI 49649 | AFLAC | $3 | — | $3 | 0.00% |
| ALAN BERMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $3 | — | $3 | 0.00% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFIELD, IN 46062 | AFLAC | $3 | — | $3 | 0.00% |
| JANICE HERRINGSHAW3 | 604 DEER RUN BLVD PRUDENVILLE, MI 48651 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID T BARCZAK3 Filed as: DAVID BARCZAK | 4345 COURTSIDE DR WILLIAMSTON, MI 48895 | AFLAC | $3 | — | $3 | 0.00% |
| DANIEL M WOLF3 Filed as: DANIEL WOLF | PO BOX 601 MARQUETTE, MI 49855 | AFLAC | $2 | — | $2 | 0.00% |
| BRYAN PUNG3 | 7572 YARBERRY CT GRAND LEDGE, MI 48837 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY D HARNED3 Filed as: JEFFREY XAVER | 5300 EAGLES NEST LN LELAND, MI 49654 | AFLAC | $2 | — | $2 | 0.00% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT GANSSER3 | 2292 SOUTHGATE DR SE GRAND RAPIDS, MI 49508 | AFLAC | $2 | — | $2 | 0.00% |
| EMILIE CAMPBELL3 | 18 MEACHAM AVE PARK RIDGE, IL 60068 | AFLAC | $2 | — | $2 | 0.00% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $2 | — | $2 | 0.00% |
| DJD BENEFITS LLC3 | 3929 SIERRA HTS HOLT, MI 48842 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $1 | — | $1 | 0.00% |
| GERALD THORP AGENCY LLC3 Filed as: GERALD THORP | 1813 SUNSET DR CARO, MI 48723 | AFLAC | $1 | — | $1 | 0.00% |
| DONNA ROSS SMITH3 Filed as: DONNA TAACK | 12305 S MERRILL RD BRANT, MI 48614 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES C SNIDER JR3 Filed as: JAMES SINDER JR | 457 MANOR RD MAILAND, FL 32751 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL QUINN | 8580 MAJORCA LN NAPLES, FL 34114 | AFLAC | $1 | — | $1 | 0.00% |
| F MOUTSATSON3 | 18268 FOWLER RD LAKE ANN, MI 49650 | AFLAC | $1 | — | $1 | 0.00% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | 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 | 2,387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.2M |
| Other | AFLAC | 1,653 | $796K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,653 | — |
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.