| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL DAVID HORNING3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN MUTUAL | $18K | $10K | $28K | 12.80% |
| RYAN JAMES GOLDMAN3 | 12 WASHINGTON AVENUE, SUITE 200 GRAN HAVEN, MI 49417 | NORTHWESTERN MUTUAL | $2K | $2K | $4K | 1.60% |
| JD GENERAL AGENCY LLC3 | 55 CAMPAU AVENUE NW, SUITE 400 GRAND RAPIDS, MI 49503 | NORTHWESTERN MUTUAL | $93 | $11 | $104 | 0.05% |
| DANIEL DAVID HORNING3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $7K | $5K | $13K | 8.04% |
| RYAN JAMES GOLDMAN3 | 12 WASHINGTON AVENUE, SUITE 200 GRAN HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $1K | $3K | 1.66% |
| R. GEORGE DE VRIES3 Filed as: R GEORGE DE VRIES | 12 WASHINGTON AVENUE, SUTIE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $215 | $54 | $269 | 0.17% |
| JD GENERAL AGENCY LLC3 | 55 CAMPAU AVENUE NW, SUITE 400 GRAND RAPIDS, MI 49503 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $33 | $4 | $37 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MI 64114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MI 64114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.26% |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 443 | $145K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 444 | $272K |
| Other(3 contracts, 2 carriers) | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | 444 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.