| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $35K | $0 | $35K | 11.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | $0 | $26K | 14.78% |
| VANESSA L TORRES3 | 5316 ARLINGTON CIRCLE HANOVER PARK, IL 60133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 13.73% |
| NICOLE DOLPHIN3 | 713 DORROLL ST NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 4.89% |
| WILLIAM JOHNSON & ASSOC LLC3 | 1755 INDIAN LAKES CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 2.72% |
| CHLOE STEFFES3 | 1027 ABERDEEN ST NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.04% |
| MARY EVELYN LEGGETT3 Filed as: MARY E LEGGETT | 522 MAPLE ST ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.01% |
| MONICA M MILLER3 | 2922 FULLER AVE NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.36% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA J GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 48173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.25% |
| ROBERT L PARSONS3 | 4130 WEST D AVE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.23% |
| JOY A RYBICKI3 | 71-129TH AVE WAYLAND, MI 49348 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.10% |
| EL TORRO INC3 | 5425 MILLS RIDGE SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.95% |
| RAY W HINKLE3 | 1525 PLYMOUTH AVE SE GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.83% |
| EL TORRO INC3 Filed as: EL TORRO INC. | 14031 JOHN HUMPHREY DR ORLAND PARK, IL 60462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $739 | $0 | $739 | 0.42% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $583 | $0 | $583 | 0.34% |
| SARAH E MEANY3 | 2710 HAMPSHIRE BLVD. S.E. GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $582 | $0 | $582 | 0.33% |
| RENEE M TRUDEAU3 | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | $0 | $357 | 0.21% |
| ALIA COMPTON3 | 244 BEGOLE ST SW GRAND RAPIDS, MI 49534 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | $0 | $124 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH STREET SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$628 | $0 | -$628 | -0.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 355 44TH ST SW GRANDVILLE, MI 49418 | AFLAC | $4K | $0 | $4K | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75231 | AFLAC | $4K | $0 | $4K | 4.77% |
| VANESSA L TORRES3 Filed as: VANESSA TORRES | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | AFLAC | $98 | $0 | $98 | 0.13% |
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 | 831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,287 | $389K |
| Vision | AFLAC | 580 | $75K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 831 | $313K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 831 | $313K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 829 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,287 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.