| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES, INC | 600 SOUTH WALNUT STREET LANSING, MI 48933 | VISION SERVICE PLAN | $144K | $0 | $144K | 18.97% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $229 | $0 | $229 | 0.03% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $150 | $0 | $150 | 0.02% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $28 | $0 | $28 | 0.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $22 | $0 | $22 | 0.00% |
| SAGINAW BAY UNDERWRITERS3 | 1258 SOUTH WASHINGTON AVENUE SAGINAW, MI 48601 | VISION SERVICE PLAN | $14 | $0 | $14 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVEUNE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVEUNE SE GRAND RAPIDS, MI 49546 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $0 | $17K | 14.17% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 642 | $231K |
| Vision | VISION SERVICE PLAN | 0 | $758K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 370 | $122K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 370 | $122K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 370 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.