| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLDBROOK INSURANCE GROUP3 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.84% |
| TOTAL BENEFIT SOLUTIONS3 Filed as: TOTAL CONTROL HEALTH PLANS | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.53% |
| COLDBROOK INSURANCE GROUP3 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 14.03% |
| TOTAL BENEFIT SOLUTIONS3 Filed as: TOTAL CONTROL HEALTH PLANS | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 5.97% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | — | $4K | $4K | 6.04% |
| TOTAL BENEFIT SOLUTIONS3 Filed as: TOTAL CONTROL HEALTH PLANS | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | — | $2K | $2K | 3.53% |
| TOTAL BENEFIT SOLUTIONS3 Filed as: TOTAL CONTROL HEALTH PLANS | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK ST NW SUITE B GRAND RAPIDS, MI 49505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 5.59% |
| TOTAL BENEFIT SOLUTIONS3 Filed as: TOTAL CONTROL HEALTH PLANS | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEALTH PARTNER GROUP EIN 27-0290866 GA FOR STOP LOSS CARRIER | Contract Administrator Service code 13 | — | $445K |
| SISCO EIN 42-1144827 TPA | Contract Administrator Service code 13 | — | $203K |
| SHARX LLC EIN 84-3019478 SPECIALTY RX VENDOR | Insurance services Service code 23 | — | $95K |
| FIRST HEALTH GROUP CORP EIN 20-1736437 NETWORK | Insurance services Service code 23 | — | $72K |
| OPTUMHEALTH MTP - UHIC EIN 52-1996029 ORGAN TRANSPLANT CARRIER | Insurance services Service code 23 | — | $59K |
| AIM-M EIN 13-4254735 MEDICAL MANAGEMENT | Insurance services Service code 23 | — | $44K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $25K |
| TELADOC HEALTH EIN 04-3750597 TELEMEDICINE VENDOR | Insurance services Service code 23 | — | $8K |
| COLDBROOK INSURANCE GROUP, LLC EIN 46-4034612 AGENT/AGENCY | Insurance agents and brokers Service code 22 | — | $0 |
| TOTAL CONTROL HEALTH PLANS EIN 82-4154183 AGENT/AGENCY | Insurance agents and brokers Service code 22 | — | $0 |
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 | 681 | 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) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 983 | $61K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 681 | $240K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 327 | $166K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 681 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 983 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.