| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L. HUGHES3 | 89 MONROE CENTER NW, SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $16K | — | $16K | 1.32% |
| LINNEA HOEKWATER3 | 625 KENMOOR AVENUE SE SUITE 200 GRAND RAPIDS, MI 49546 | PRIORITY HEALTH | $8K | — | $8K | 0.68% |
| LEANN P DAVIDSON3 Filed as: LEANN P. DAVIDSON | 1667 NORTH CRESTON MUSKEGON, MI 49445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 9.18% |
| AG AND ASSOCIATES3 Filed as: AG AND ASSOCIATES AND OTHER AGENTS | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $770 | — | $770 | 1.87% |
| ERIC J CONDRON3 Filed as: ERIC J. CONDRON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $660 | — | $660 | 1.60% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $563 | — | $563 | 1.37% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K. HARRIS AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $359 | — | $359 | 0.87% |
| JEFFREY C WERNER3 Filed as: JEFFREY C. WERNER | 18096 TRUDY DRIVE SPRING LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $211 | — | $211 | 0.51% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: CATHRINE A. RIGGS | 465 NORTHLAND AVENUE SUITE 201 CEDAR RAPIDS, IA 52402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | — | $179 | 0.43% |
| ADVANTANGE BENEFITS GROUP, INC.3 | 89 MONROE CENTER NW, SUITE 200 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $194 | $4K | 10.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $704 | $149 | $853 | 2.39% |
| LEANN P DAVIDSON3 Filed as: LEANN P. DAVIDSON | 871 EAST MCKINLEY ROAD ROTHBURY, MI 49452 | AFLAC | $2K | $11 | $2K | 7.99% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K. HARRIS AND ASSN AND OTHER AGENTS | 950 WEST NORTON AVENUE, SUITE 201 NORTON, MI 49441 | AFLAC | $522 | $4 | $526 | 2.29% |
| WESTERN WAVE LLC3 Filed as: WESTERN WAVE, LLC | 2039 RAMBLING OAK DRIVE MUSKEGON, MI 49445 | AFLAC | $497 | — | $497 | 2.16% |
| LAUREN E. DAVISON3 | 6333 HARTLAND ROAD FENTON, MI 48430 | AFLAC | $116 | — | $116 | 0.51% |
| ANDREW K GLAUB3 Filed as: ANDREW K. GLAUB | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $105 | — | $105 | 0.46% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | AFLAC | $96 | — | $96 | 0.42% |
| DAVID M. ERICKSON3 | 1347 4TH STREET MUSKEGON, MI 49441 | AFLAC | $89 | — | $89 | 0.39% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 283 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $36K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 81 | $41K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $36K |
| Prescription drug | PRIORITY HEALTH | 283 | $1.2M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 139 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.