| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL DAVID HORNING3 Filed as: DANIEL DAVING HORNING | 12 WASHINGTON AVENUE SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN MUTUAL | $23K | $11K | $34K | 16.44% |
| RYAN JAMES GOLDMAN3 | 12 WASHINGTON AVENUE SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN MUTUAL | $2K | $4K | $6K | 2.88% |
| WESTERN MI GROUP LLC3 Filed as: WESTERN MI GROUP, LLC | 55 CAMPAU AVENUE NORTHWEST SUITE 400 GRAND RAPIDS, MI 49503 | NORTHWESTERN MUTUAL | $1K | $173 | $2K | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES. INC. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $11K | $26K | 16.79% |
| DANIEL DAVID HORNING3 Filed as: DANIEL DAVING HORNING | 12 WASHINGTON AVENUE SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $7K | $4K | $11K | 9.31% |
| RYAN JAMES GOLDMAN3 | 12 WASHINGTON AVENUE SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $614 | $1K | $2K | 1.62% |
| WESTERN MI GROUP LLC3 Filed as: WESTERN MI GROUP, LLC | 55 CAMPAU AVENUE NORTHWEST SUITE 400 GRAND RAPIDS, MI 49503 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $257 | $31 | $288 | 0.24% |
| R. GEORGE DE VRIES3 Filed as: R GEORGE DE VRIES | 12 WASHINGTON AVENUE SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $224 | $56 | $280 | 0.23% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $152K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 375 | $360K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.