| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MICHIGAN LLC | 140 MONROE CENTER NW STE 200 GRAND RAPIDS, MI 49503 | UNITED HEALTHCARE INSURANCE COMPANY | — | $43K | $43K | 2.99% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MICHIGAN LLC | PO BOX 510187 NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 9.21% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 4.67% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | 140 MONROE CENTER STE 200 GRAND RAPIDS, MI 49503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.75% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | 140 MONROE CENTER STE 200 GRAND RAPIDS, MI 49503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.58% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | 140 MONROE CENTER STE 200 GRAND RAPIDS, MI 49503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.45% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MICHIGAN | 140 MONROE CENTER ST STE 200 GRAND RAPIDS, MI 49503 | GUARDIAN NATIONAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| LIAZON BENEFITS INC3 | 737 MAIN ST STE 200 BUFFALO, NY 14203 | GUARDIAN NATIONAL LIFE INSURANCE COMPANY OF AMERICA | $724 | — | $724 | 5.00% |
| LUCIDO MORRIS ASSOCIATES, LLC3 Filed as: LUCIDO MORRIS ASSOCIATES LLC | 24255 W 13 MILE RD STE 250 BINGHAM FARMS, MI 48025 | GUARDIAN NATIONAL LIFE INSURANCE COMPANY OF AMERICA | $109 | — | $109 | 0.75% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 186 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 64 | $85K |
| Vision | GUARDIAN NATIONAL LIFE INSURANCE COMPANY OF AMERICA | 85 | $14K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $20K |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $69K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.