| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | UNKNOWN LANSING, MI 48910 | ASSURITY LIFE INSURANCE COMPANY | $14K | $0 | $14K | 11.77% |
| WFP MICHIGAN LLC3 Filed as: WFP MICHIGAN, LLC | UNKNOWN LANSING, MI 48910 | ASSURITY LIFE INSURANCE COMPANY | $14K | $0 | $14K | 11.49% |
| BRIAN SCOTT RICHARDSON3 | UNKNOWN LANSING, MI 48910 | ASSURITY LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.99% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP GA, LLC | UNKNOWN LANSING, MI 48910 | ASSURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.86% |
| REBEKAH VANBEEK3 Filed as: REBEKAH LYNN VANBEEK | UNKNOWN LANSING, MI 48910 | ASSURITY LIFE INSURANCE COMPANY | $101 | $0 | $101 | 0.08% |
| RICARDO BECERRA3 | UNKNOWN LANSING, MI 48910 | ASSURITY LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 45170 CASS AVENUE UTICA, MI 48317 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.56% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INSURANCE AGENCY INC | 37 OTTAWA AVENUE NW, SUITE 400 GRAND RAPIDS, MI 49503 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.52% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 Filed as: CREATIVE BENEFITS & INS SOLUTIONS | 45170 CASS AVENUE UTICA, MI 48317 | DEARBORN LIFE INSURANCE COMPANY | $512 | $0 | $512 | 1.13% |
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 | 188 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 180 | $45K |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 399 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.