| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE R. STOUFFER3 Filed as: MICHELLE STOUFFER | 50 LOUIS ST NW, SUITE 510 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $19K | $0 | $19K | 1.96% |
| JAIME SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | BLUE CARE NETWORK OF MICHIGAN | $10K | $0 | $10K | 0.98% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $0 | $7K | $7K | 0.76% |
| MICHELLE R. STOUFFER3 Filed as: MICHELLE STOUFFER | 50 LOUIS ST NW, SUITE 510 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 7.42% |
| JAIME SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 2.63% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | AFLAC | $5K | $346 | $5K | 16.15% |
| LISA ENERSON3 | 411 GROVE STREET HUDSON, MI 49247 | AFLAC | $3K | $73 | $3K | 7.96% |
| CONNIE RUPERT3 | 518 NORTH EVANS STREET TECUMSEH, MI 49286 | AFLAC | $707 | $17 | $724 | 2.14% |
| MJ INSURANCE3 Filed as: MARY LEGGETT AND VARIOUS AGENTS | 522 MAPLE STREET ALLEGAN, MI 49010 | AFLAC | $492 | $0 | $492 | 1.45% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ | 139 W LAKE LANSING ROAD, SUITE 200 EAST LANSING, MI 48823 | AFLAC | $369 | $17 | $386 | 1.14% |
| ROBERT L PARSONS3 Filed as: ROBERT PARSONS | 6146 WEST MAIN STREET, SUITE C KALAMAZOO, MI 49009 | AFLAC | $151 | $0 | $151 | 0.45% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM JOHNSON AND ASSOCIATES LLC | 2922 FULLER AVENUE NE, SUITE 202 GRAND RAPIDS, MI 49505 | AFLAC | $131 | $0 | $131 | 0.39% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $15 | $2K | 10.92% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING | 300 W WILSON BRIDGE ROAD, SUITE 300 WORTHINGTON, OH 43085 | METROPOLITAN LIFE INSURANCE COMPANY | $931 | $0 | $931 | 5.27% |
| BENEFIT PROFILES INC3 | 3358 EAGLE RUN DRIVE NE, SUITE 3 GRAND RAPIDS, MI 49525 | METROPOLITAN LIFE INSURANCE COMPANY | $511 | $118 | $629 | 3.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $310 | $0 | $310 | 1.75% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 268 | $987K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 239 | $71K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 239 | $71K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $18K |
| Short-term disability | AFLAC | 33 | $34K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 268 | $987K |
| Other(2 contracts, 2 carriers) | AFLAC | 216 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.