| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL DAVID HORNING3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN MUTUAL | $12K | $6K | $18K | 10.68% |
| RYAN JAMES GOLDMAN3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN MUTUAL | $2K | $1K | $3K | 1.62% |
| WESTERN MI GROUP LLC3 Filed as: WESTERN MI GROUP, LLC | 55 CAMPAU AVENUE NW, SUITE 400 GRAND RAPIDS, MI 49503 | NORTHWESTERN MUTUAL | $2K | $133 | $2K | 0.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 65 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 10.19% |
| DANIEL DAVID HORNING3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3K | $2K | $5K | 6.20% |
| RYAN JAMES GOLDMAN3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $67 | $318 | $385 | 0.48% |
| WESTERN MI GROUP LLC3 Filed as: WESTERN MI GROUP, LLC | 55 CAMPAU AVENUE NW, SUITE 400 GRAND RAPIDS, MI 49503 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $316 | $28 | $344 | 0.43% |
| R. GEORGE DE VRIES3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $227 | $51 | $278 | 0.35% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 335 | $138K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 335 | $309K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 335 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.