| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCKINLEY, JAMES N3 | 1543 BROOKWOOD DR. MUSKEGON, MI 49441 | PRIORITY HEALTH | $33K | $0 | $33K | 2.57% |
| MCLAUGHLAN, REBECCA3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRIORITY HEALTH | $6K | $0 | $6K | 0.43% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $516 | $0 | $516 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $273 | $0 | $273 | 0.24% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | PO BOX 510187 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 5.12% |
| ACRISURE LLC3 | PO BOX 1536 PLANT CITY, FL 33564 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | STANDARD INSURANCE COMPANY | $523 | $0 | $523 | 0.73% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK SERVICES | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.36% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INS AGCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $980 | $980 | 6.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $394 | $32 | $426 | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $49 | $49 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| JEREMY SAMPSEL3 | 401 HALL ST SW STE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $973 | $460 | $1K | 9.97% |
| DIANNA LYNN ATCHISON3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $885 | $378 | $1K | 8.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | 3055 44TH ST S.W. GRANDVILLE, MI 49418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.47% |
| RICHARD LEWIS MULLIGAN3 | 441 HOWARD ST SE GRAND RAPIDS, MI 49507 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $310 | $0 | $310 | 2.16% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT N JACKSON, MI 49201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | $16 | $168 | 1.17% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $12 | $45 | 0.31% |
| DENA ANN MARTHA3 | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.15% |
| CYNTHIA SUSANNE EVERY3 | 212 W DUNCAN ST MANCHESTER, MI 48158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.05% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 213 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 356 | $115K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $16K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 397 | $86K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 14 | $14K |
| Prescription drug | PRIORITY HEALTH | 213 | $1.3M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 397 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.