| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANEIL DAVID HORNING3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN MUTUAL | $13K | $7K | $20K | 11.10% |
| RYAN JAMES GOLDMAN3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN MUTUAL | $991 | $1K | $2K | 1.28% |
| WESTERN MI GROUP LLC3 | 55 CAMPAU AVENUE, NORTHWEST SUITE 400 GRAND RAPIDS, MI 49503 | NORTHWESTERN MUTUAL | $2K | $138 | $2K | 0.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 925162158 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $6K | $21K | 13.66% |
| DANIEL DAVID HORNING3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3K | $3K | $6K | 7.23% |
| RYAN JAMES GOLDMAN3 | 12 WASHINGTON AVENUE GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $207 | $448 | $655 | 0.81% |
| 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 | $279 | $25 | $304 | 0.38% |
| R. GEORGE DE VRIES3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $237 | $53 | $290 | 0.36% |
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 | 376 | 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) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $151K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 376 | $335K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 376 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.