| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY, INC. | 5777 WEST MAPLE RD SUITE 185 WEST BLOOMFIELD, MI 48322 | DELTA DENTAL OF MICHIGAN | $105K | $1K | $107K | 15.01% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY, INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85K | $7K | $93K | 14.86% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY, INC. | 5777 WEST MAPLE RD SUITE 185 WEST BLOOMFIELD, MI 48322 | VISION SERVICE PLAN | $3K | — | $3K | 1.98% |
| MICHELE E MARTIN3 Filed as: MICHELE ULRYCH | — | AFLAC | $1K | $105 | $2K | 3.05% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH WASEMILLER | — | AFLAC | $837 | — | $837 | 1.64% |
| MARK A RAYMER3 | 625 EAST BIG BEAVER RD SUITE 103 TROY, MI 48083 | AFLAC | $597 | — | $597 | 1.17% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY, INC. | 5777 WEST MAPLE RD SUITE 185 WEST BLOOMFIELD, MI 48322 | AFLAC | $479 | — | $479 | 0.94% |
| JULIE SLAUGHTER3 Filed as: JULIE M SLAUGHTER | — | AFLAC | $285 | — | $285 | 0.56% |
| PATRICE C DITRAPANI3 Filed as: PATRICE C FREDERICKS | — | AFLAC | $214 | — | $214 | 0.42% |
| AG AND ASSOCIATES3 | — | AFLAC | $207 | — | $207 | 0.41% |
| HEIDI E GLAUB3 | — | AFLAC | $173 | — | $173 | 0.34% |
| GABRIEL TORREZ3 | 30800 TELERAPH RD SUITE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $171 | — | $171 | 0.34% |
| MIKE MCCORMICK3 Filed as: MIKE HOOVER | — | AFLAC | $144 | — | $144 | 0.28% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | — | AFLAC | $137 | — | $137 | 0.27% |
| DENNIS FENNELL3 Filed as: DENNIS R BELGER | — | AFLAC | $99 | — | $99 | 0.19% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY M HUBBARD | — | AFLAC | $97 | — | $97 | 0.19% |
| RICHARD P SOMMERS3 | — | AFLAC | $93 | — | $93 | 0.18% |
| KIMBERLEY M MCNULTY3 | — | AFLAC | $65 | $12 | $77 | 0.15% |
| SHARI LEARISH3 Filed as: SHARI L ROBINSON POWERS | — | AFLAC | $33 | — | $33 | 0.06% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY T MILLER | — | AFLAC | $28 | — | $28 | 0.05% |
| CHRISTOPER POYNTER3 Filed as: CHRISTOPER SOCHA | — | AFLAC | $26 | — | $26 | 0.05% |
| STEPHANIE L KESSELRING3 | — | AFLAC | $26 | — | $26 | 0.05% |
| HEATHER A DOLLIVER3 | — | AFLAC | $21 | — | $21 | 0.04% |
| NEGYLE A BEAMAN3 | — | AFLAC | $20 | — | $20 | 0.04% |
| JEFFEREY C LYNCH3 Filed as: JEFFEREY C WERNER | — | AFLAC | $20 | — | $20 | 0.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES L MORMAN II | — | AFLAC | $16 | — | $16 | 0.03% |
| JUDITH I VIDAL3 Filed as: JUDITH D DADD | — | AFLAC | $9 | $7 | $16 | 0.03% |
| MICHAEL L TRUDEAU3 | 30229 SCHOENHERR RD SUITE 100 WARREN, MI 48088 | AFLAC | $15 | — | $15 | 0.03% |
| SPAZ AND GLAUB ENTERPRISES3 | — | AFLAC | $14 | — | $14 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | — | AFLAC | $14 | — | $14 | 0.03% |
| STEPHANIE L KESSELRING3 | — | AFLAC | $13 | — | $13 | 0.03% |
| ASSOCIATED BENEFITS GROUP INC.3 | 22100 GREATER MACK AVE. SUITE 1 SAINT CLAIR SHORES, MI 48080 | AFLAC | $12 | — | $12 | 0.02% |
| HILARY R EBNER3 | — | AFLAC | $11 | — | $11 | 0.02% |
| DORIAN J MOORE3 | — | AFLAC | $10 | — | $10 | 0.02% |
| RENEE M TRUDEAU3 | 30229 SCHOENHERR RD SUITE 100 WARREN, MI 48088 | AFLAC | $8 | — | $8 | 0.02% |
| DORIAN J MOORE3 | — | AFLAC | $7 | — | $7 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | — | AFLAC | $7 | — | $7 | 0.01% |
| ALAN BERGMANN3 | — | AFLAC | $5 | — | $5 | 0.01% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | — | AFLAC | $5 | — | $5 | 0.01% |
| MARK A LINSNER3 | 153 BLANDING BLVD SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $4 | — | $4 | 0.01% |
| ARCEL MAY ROXAS3 | 2311 E JOLLY RD APT 10 LANSING, MI 48910 | AFLAC | $3 | $1 | $4 | 0.01% |
| MARK A LINSNER3 | 10375 CENTURION PARKWAY SUITE 100 JACKSONVILLE, FL 32256 | AFLAC | $3 | — | $3 | 0.01% |
| RANDALL ALLEN DASHKOVITZ3 | 139 WEST LAKE LANSING RD SUITE 200 EAST LANSING, MI 48823 | AFLAC | $2 | $1 | $3 | 0.01% |
| DIANE MARIE JARBOE3 Filed as: DIANE B SANDERS | — | AFLAC | $2 | — | $2 | 0.00% |
| MELISSA K SWAN3 | — | AFLAC | $2 | — | $2 | 0.00% |
| MICHELLE R CALVIN3 | — | AFLAC | $1 | — | $1 | 0.00% |
| JAMES BULLOCK3 | — | AFLAC | $1 | — | $1 | 0.00% |
| JULIE SLAUGHTER3 Filed as: JULIE SLAUGHER | — | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER D BOULDREY3 | — | AFLAC | $0 | — | $0 | 0.00% |
| JAMES C SNIDER JR3 | — | AFLAC | $0 | — | $0 | 0.00% |
| THOMAS W RINGWALD3 | — | AFLAC | $0 | — | $0 | 0.00% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY, INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $385 | $5K | 14.85% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY, INC. | 5777 WEST MAPLE RD SUITE 185 WEST BLOOMFIELD, MI 48322 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 3.90% |
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 | 843 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 76 | $51K |
| Dental | DELTA DENTAL OF MICHIGAN | 1,428 | $711K |
| Vision | VISION SERVICE PLAN | 631 | $170K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 843 | $657K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 843 | $623K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 843 | $623K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 843 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,428 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.