| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE R. STOUFFER3 | 140 MONROE CENTER STREET NW SUITE 20 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $18K | $0 | $18K | 3.29% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE 101 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 0.83% |
| MICHELLE R. STOUFFER3 | 140 MONROE CENTER STREET NW SUITE 20 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 3.29% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE 101 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $422 | $0 | $422 | 0.50% |
| HNI RISK SERVICES3 | PO BOX 510187 NEW BERLIN, WI 53151 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 6.17% |
| HNI RISK SERVICES3 | PO BOX 510187 NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 16.08% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $400 | $0 | $400 | 4.35% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $96 | $96 | 1.05% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET NW GRAND RAPIDS, MI 49503 | EYEMED | $875 | $0 | $875 | 13.77% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 174 | $622K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 57 | $36K |
| Vision | EYEMED | 91 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $9K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 174 | $622K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.