| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENISE SHERWOOD3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | PRIORITY HEALTH INSURANCE COMPANY | $39K | $0 | $39K | 2.00% |
| DENISE SHERWOOD3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | PRIORITY HEALTH | $34K | $0 | $34K | 2.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 2.69% |
| DAVID E. SHILLING3 | 816 EAST GRANT STREET HASTINGS, MI 49058 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.87% |
| BRUCE A VAN RYN3 Filed as: BRUCE A. VANRYN | 3053 RIVERVALE DRIVE SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $895 | $0 | $895 | 3.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 50 LOUIS STREET NW, SUITE 200 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $858 | $0 | $858 | 3.19% |
| ERIC J CONDRON3 Filed as: ERIC J. CONDRON | 10880 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $262 | $0 | $262 | 0.97% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226 | $0 | $226 | 0.84% |
| JEFFREY C WERNER3 Filed as: JEFFREY C. WERNER | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | $0 | $220 | 0.82% |
| JEREMY SAMPSEL3 Filed as: JEREMY D. SAMPSEL AND OTHER AGENTS | 3030 9TH STREET, SUITE 2K KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | $0 | $217 | 0.81% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.54% |
| DAVID E. SHILLING3 | 816 EAST GRANT STREET HASTINGS, MI 49058 | AFLAC | $580 | $0 | $580 | 4.96% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS, LLC | 5567 MADISON AVENUE HUDSONVILLE, MI 49426 | AFLAC | $321 | $0 | $321 | 2.75% |
| ERIC J CONDRON3 Filed as: ERIC J. CONDRON | 11358 WILD POND DRIVE SE ROCKFORD, MI 49341 | AFLAC | $207 | $0 | $207 | 1.77% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS, LLC | 4920 SOUTH OJIBWE POINTE NEWAYGO, MI 49337 | AFLAC | $51 | $0 | $51 | 0.44% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $32 | $0 | $32 | 0.27% |
| RANDALL L KIMBLER3 Filed as: RANDALL L. KIMBLER AND OTHER AGENTS | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $15 | $0 | $15 | 0.13% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $12 | $0 | $12 | 0.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 333 BRIDGE STREET NORTHWEST SUITE 400 GRAND RAPIDS, MI 49504 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $751 | $0 | $751 | 10.66% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 3.83% |
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 376 | $3.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 856 | $275K |
| Vision(2 contracts) | VISION SERVICE PLAN | 245 | $61K |
| Life insurance | STANDARD INSURANCE COMPANY | 473 | $307K |
| Short-term disability | STANDARD INSURANCE COMPANY | 473 | $307K |
| Long-term disability | STANDARD INSURANCE COMPANY | 473 | $307K |
| Prescription drug(3 contracts, 3 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 376 | $3.7M |
| Other(6 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 473 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.