| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL S HILL3 Filed as: MICHAEL STEVEN HILL | 148 S RIVER AVE STE 300 HOLLAND, MI 494239423 | BLUE CARE NETWORK OF MICHIGAN | $20K | — | $20K | 1.51% |
| COLDBROOK INSURANCE GROUP3 Filed as: COLDBROOK INSURANCE GROUP LLC | 2000 OAK INDUSTRIAL DR NE GRAND RAPIDS, MI 495059505 | BLUE CARE NETWORK OF MICHIGAN | $18K | $906 | $19K | 1.45% |
| MARINO INSURANCE3 Filed as: MARINO INSURANCE AGENCY SERVICES | 3196 KRAFT AVE. SE STE 101 GRAND RAPIDS, MI 49512 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 2.76% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCADE WEST PARKWAY SE SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $151 | — | $151 | 0.14% |
| COLDBROOK INSURANCE GROUP3 Filed as: COLDBROOK INSURANCE GROUP LLC | 2000 OAK INDUSTRIAL DR NE GRAND RAPIDS, MI 495059505 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $914 | $12 | $926 | 1.25% |
| MARINO INSURANCE3 Filed as: MARINO INSURANCE AGENCY SERVICES | 3196 KRAFT AVE SE STE 101 GRAND RAPIDS, MI 49512 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 3.89% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 3.28% |
| SHORELINE INSURANCE AGENCY3 | 875 W. BROADWAY MUSKEGON, MI 49441 | VISION SERVICE PLAN | $86 | — | $86 | 3.75% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 245 | $1.4M |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 258 | $149K |
| Vision | VISION SERVICE PLAN | 101 | $2K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 258 | $111K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 245 | $1.4M |
| Other | COMPANION LIFE INSURANCE COMPANY | 258 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
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.