| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: JIM M. BULLOCK AND VARIOUS AGENTS | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 14.02% |
| ERIC J CONDRON3 Filed as: ERIC J. CONDRON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $660 | $0 | $660 | 1.60% |
| THE TODD GROUP3 | 808 EAST 18TH STREET CEDAR FALLS, IA 50613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 625 KENMOOR AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.05% |
| CHRIS D BOULDREY3 Filed as: CHRIS D. BOULDREY | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.04% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE L. KESSERLRING | 3141 ROLLING GREEN COURT MILFORD, MI 48380 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| 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 | $0 | $497 | 2.16% |
| LAUREN E. DAVISON3 | 6333 HARTLAND ROAD FENTON, MI 48430 | AFLAC | $116 | $0 | $116 | 0.51% |
| ANDREW K GLAUB3 Filed as: ANDREW K. GLAUB | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | AFLAC | $105 | $0 | $105 | 0.46% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | AFLAC | $96 | $0 | $96 | 0.42% |
| DAVID M. ERICKSON3 | 1347 4TH STREET MUSKEGON, MI 49441 | AFLAC | $89 | $0 | $89 | 0.39% |
| 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 | $99 | $2K | 8.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 55 EAST JACKSON BOULEVARD, 14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $459 | $47 | $506 | 2.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 55 EAST JASKCON BOULEVARD, 14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $230 | $29 | $259 | 1.45% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $18K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 81 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $18K |
| Other(2 contracts, 2 carriers) | AFLAC | 139 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.