| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL JOSEPH PETERSON3 Filed as: DANIEL JOESPH PETERSON | 333 BRIDGE STREET NW, SUITE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $9K | $3K | $12K | 4.74% |
| DANIEL DAVID HORNING3 | 5800 GULF SHORES DRIVE, SUITE 33 BOCA GRANDE, FL 33921 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4K | $5K | $10K | 3.92% |
| JD GENERAL AGENCY LLC3 | 333 BRIDGE STREET NW, SUITE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2K | $1K | $3K | 1.39% |
| DANIEL JOSEPH PETERSON3 | 333 BRIDGE STREET NW, SUITE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN MUTUAL | $5K | $2K | $8K | 3.26% |
| JD GENERAL AGENCY LLC3 | 333 BRIDGE STREET NW, SUITE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN MUTUAL | $1K | $128 | $1K | 0.51% |
| DANIEL JOSEPH PETERSON3 | 333 BRIDGE STREET NW, SUITE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN MUTUAL | $8K | $2K | $11K | 10.02% |
| JD GENERAL AGENCY LLC3 | 333 BRIDGE STREET NW, SUITE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN MUTUAL | $2K | $203 | $2K | 1.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMTED | PO BOX 2167 GRAND RAPIDS, MI 49501 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $16K | $0 | $16K | 18.00% |
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 | 663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 670 | 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. | 1,166 | $87K |
| Life insurance | NORTHWESTERN MUTUAL | 669 | $233K |
| Long-term disability | NORTHWESTERN MUTUAL | 561 | $106K |
| Other(2 contracts, 2 carriers) | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | 669 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,166 | — |
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.