| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEANN P DAVIDSON3 Filed as: LEANN P. DAVIDSON | 1667 NORTH CRESTON MUSKEGON, MI 49445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.12% |
| ERIC J CONDRON3 Filed as: ERIC J. CONDRON | 10880 SANDY OAK TRIAL CEDER SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $927 | — | $927 | 3.14% |
| MJ INSURANCE3 Filed as: CAROL A. SMYTHE AND VARIOUS AGENTS | 915 LAKE AVENUE NORTH MUSKEGON, MI 49445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $313 | — | $313 | 1.06% |
| JEFFERY C. WERNER3 | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $257 | — | $257 | 0.87% |
| BRUCE A VAN RYN3 Filed as: BRUCE A. VAN RYN | 3053 RIVERVALE DRIVE SOUTHWEST GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $249 | — | $249 | 0.84% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.55% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: CATHERINE A. RIGGS | 465 NORTHLAND AVENUE NE, SUITE 201 CEDAR RAPIDS, IA 52402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.43% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER NW, SUITE 200 GRAND RAPIDS, MI 49508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $80 | $1K | 12.05% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $11K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 114 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.