| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCHP, LLC Filed as: TCHP LLC | 148 S RIVER AVE HOLLAND, MI 49423 | BLUE CARE NETWORK OF MICHIGAN | $36K | — | $36K | 2.81% |
| TCHP, LLC Filed as: TCHP LLC | 148 S RIVER AVE HOLLAND, MI 49423 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 2.97% |
| MARINO INSURANCE3 Filed as: MARINO INSURANCE AGENCY SERVICES | 3196 KRAFT AVE SE GRAND RAPIDS, MI 49512 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.58% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PKWY GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | $199 | $2K | 2.51% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S WASHINGTON AVE LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $928 | — | $928 | 1.17% |
| MARINO INSURANCE3 Filed as: MARINO INSURANCE AGENCY SERVICES | 3196 KRAFT AVE SE GRAND RAPIDS, MI 49512 | VISION SERVICE PLAN | $612 | — | $612 | 4.73% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 608 S WASHINGTON AVE STE 200 LANSING, MI 48933 | VISION SERVICE PLAN | $538 | — | $538 | 4.16% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD BETHESDA, MD 20814 | VISION SERVICE PLAN | $52 | — | $52 | 0.40% |
| TCHP, LLC3 Filed as: TCHP LLC | 148 S RIVER AVE HOLLAND, MI 49423 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | — | $2K | 18.00% |
| NORTHSTAR AGENCY LLC3 | 2582 ODAWA TRL MUSKEGON, MI 49444 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $42 | $2K | 15.28% |
| JEREMY SAMPSEL3 | 401 HALL ST SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE | $494 | $476 | $970 | 9.42% |
| DIANNA LYNN ATCHISON3 Filed as: DIANNA LYNN ATCHINSON | 225 E DIVISION ST ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE | $654 | $97 | $751 | 7.30% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT N JACKSON, MI 49201 | COLONIAL LIFE & ACCIDENT INSURANCE | $318 | — | $318 | 3.09% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 4920 S OJIBWE PT NEWAYGO, MI 49337 | COLONIAL LIFE & ACCIDENT INSURANCE | $159 | $3 | $162 | 1.57% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE | $34 | — | $34 | 0.33% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE | $23 | $9 | $32 | 0.31% |
| SHORELINE INSURANCE AGENCY3 | 875 W BROADWAY AVE MUSKEGON, MI 49441 | COLONIAL LIFE & ACCIDENT INSURANCE | $23 | — | $23 | 0.22% |
| FANTASIA MARIE JONES3 | 420 CEDAR ST, APT 4 PAW PAW, MI 49079 | COLONIAL LIFE & ACCIDENT INSURANCE | $2 | $7 | $9 | 0.09% |
| JT PREMIER HOLDINGS LLC3 | 2620 WINESAP DRIVE NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE | — | $9 | $9 | 0.09% |
| MARY LOU TAYLOR3 | 11176 WILLMINGTON BLVD ENGLEWOOD, FL 34224 | COLONIAL LIFE & ACCIDENT INSURANCE | $7 | — | $7 | 0.07% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY JOHN LOWRAN | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | COLONIAL LIFE & ACCIDENT INSURANCE | $2 | $3 | $5 | 0.05% |
| MARINO INSURANCE3 Filed as: MARINO INSURANCE AGENCY SERVICES | 3196 KRAFT AVE SE GRAND RAPIDS, MI 49512 | COMPANION LIFE INSURANCE COMPANY | $708 | — | $708 | 15.03% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PKWY GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $318 | — | $318 | 6.75% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCADE WEST PKWY GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $35 | — | $35 | 0.74% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 246 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 240 | $79K |
| Vision | VISION SERVICE PLAN | 113 | $13K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 253 | $5K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE | 16 | $10K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 246 | $1.4M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE | 16 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.