| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE R. STOUFFER3 | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $27K | $0 | $27K | 2.73% |
| JAIME SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | BLUE CARE NETWORK OF MICHIGAN | $5K | $0 | $5K | 0.53% |
| MICHELLE R. STOUFFER3 | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 6.66% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 1.62% |
| JAIME SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $913 | $0 | $913 | 1.26% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $211 | $2K | 12.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AGY. & FIN. SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $885 | $13 | $898 | 4.65% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | METROPOLITAN LIFE INSURANCE COMPANY | $440 | $0 | $440 | 2.28% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DRIVE SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $754 | $2K | 16.38% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $120 | $2K | 15.73% |
| LAURA KAY MILLER3 | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 12.27% |
| SUSAN MARIE WEITKAMP & OTHERS3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $374 | $1K | 10.92% |
| JUSTIN J MCDONALD3 Filed as: JUSTIN J. MCDONALD | 5944 OAK CREEK WAY NW BALTIMORE, OH 43105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $949 | $94 | $1K | 8.24% |
| JEREMY SAMPSEL3 | 401 HALL STREET SW, SUITE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $368 | $426 | $794 | 6.27% |
| OVERALL BENEFITS GROUP LLC3 Filed as: OVERALL BENEFITS GROUP, LLC | 9255 HIGH POINT ROAD THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $437 | $227 | $664 | 5.24% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 248 | $977K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 247 | $73K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 247 | $73K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $19K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 11 | $13K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 248 | $977K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.