| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBRA VANSWEDEN3 Filed as: DEBRA WRIGHT | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $30K | $0 | $30K | 4.20% |
| DEBRA VANSWEDEN3 Filed as: DEBRA WRIGHT | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 4.00% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | PO BOX 510187 NEW BERLIN, WI 53151 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 6.18% |
| MJ INSURANCE3 Filed as: ROBERT PARSONS AND VARIOUS AGENTS | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $843 | $0 | $843 | 4.02% |
| MARY EVELYN LEGGETT3 Filed as: MARY LEGGETT | 522 MAPLE STREET ALLEGAN, MI 49010 | AFLAC | $528 | $83 | $611 | 2.92% |
| LISA ENERSON3 | 411 GROVE STREET HUDSON, MI 49247 | AFLAC | $483 | $0 | $483 | 2.31% |
| HNI RISK SERVICES3 Filed as: HNI RISKE SERVICES OF MI LLC | 140 MONROE CENTER STREET SUITE 200 GRAND RAPIDS, MI 49503 | AFLAC | $458 | $0 | $458 | 2.19% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM JOHNSON & ASSCOIATES LLC | 2922 FULLER AVENUE NE, SUITE 202 GRAND RAPIDS, MI 49505 | AFLAC | $330 | $19 | $349 | 1.67% |
| JOY A RYBICKI3 Filed as: JOY RYBICKI | 71 129TH AVENUE WAYLAND, MI 49348 | AFLAC | $343 | $0 | $343 | 1.64% |
| RAY W HINKLE3 Filed as: RAY HINKLE | 6062 ARCHER STREET NE ROCKFORD, MI 49341 | AFLAC | $235 | $19 | $254 | 1.21% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | PO BOX 510187 NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.61% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PARKWAY SE SUITE 160 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $541 | $0 | $541 | 3.62% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET SUITE 200 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $974 | $0 | $974 | 9.82% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 225 | $793K |
| Dental | DELTA DENTAL OF MICHIGAN | 178 | $49K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 149 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $15K |
| Short-term disability | AFLAC | 23 | $21K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 225 | $793K |
| Other(2 contracts, 2 carriers) | AFLAC | 216 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.