| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAMER, RICHARD3 | 875 WEST BROADWAY AVENUE MUSKEGON, MI 49441 | PRIORITY HEALTH | $23K | $0 | $23K | 3.40% |
| HOEKWATER, LINNEA3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | PRIORITY HEALTH | $9K | $0 | $9K | 1.35% |
| SHORELINE INSURANCE AGENCY3 | 875 W BROADWAY AVENUE MUSKEGON, MI 49441 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $1K | $7K | 10.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.53% |
| SHORELINE INSURANCE AGENCY3 Filed as: SHORELINE INSURANCE AGENCY, INC | 875 WEST BROADWAY MUSKEGON, MI 49441 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 4.85% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC | 500 CASCADE WEST PARKWAY, SUITE 160 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $1K | $122 | $2K | 2.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BOULEVARD CHICAGO, IL 60604 | DELTA DENTAL OF MICHIGAN | $699 | $0 | $699 | 1.16% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 166 | $689K |
| Dental | DELTA DENTAL OF MICHIGAN | 196 | $60K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $67K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $67K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $67K |
| Prescription drug | PRIORITY HEALTH | 166 | $689K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.