| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL JOSEPH PETERSON3 | 333 BRIDGE STREET NW GRAND RAPIDS, MI 49504 | NORTHWESTERN MUTUAL | $32K | $12K | $44K | 16.48% |
| DANIEL DAVID HORNING3 | 5800 GULF SHORES DRIVE, SUITE 33 BOCA GRANDE, FL 33921 | NORTHWESTERN MUTUAL | $9K | $6K | $14K | 5.40% |
| JD GENERAL AGENCY LLC3 | 333 BRIDGE STREET NW, SUITE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN MUTUAL | $6K | $4K | $10K | 3.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE, SUITE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 6.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $11K | $0 | $11K | 16.28% |
| DANIEL JOSEPH PETERSON3 | 333 BRIDGE STREET NW GRAND RAPIDS, MI 49504 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $10K | $3K | $13K | 59.47% |
| DANIEL DAVID HORNING3 | 5800 GULF SHORES DRIVE, SUITE 33 BOCA GRANDE, FL 33921 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4K | $5K | $10K | 42.39% |
| JD GENERAL AGENCY LLC3 | 333 BRIDGE STREET, SUITE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3K | $1K | $4K | 17.44% |
| RYAN JAMES GOLDMAN3 | 12 WASHINGTON AVENUE, SUITE 200 GRAND HAVEN, MI 49417 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $103 | $421 | $524 | 2.34% |
| JD GENERAL AGENCY LLC3 | 333 BRIDGE STREET NW, SUITE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $211 | $31 | $242 | 1.08% |
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 | 578 | 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) | 579 | 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. | 2,032 | $70K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 577 | $174K |
| Long-term disability | NORTHWESTERN MUTUAL | 578 | $266K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 578 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,032 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.