| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD H PHILLIPS3 | 833 KENMOOR SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | PRIORITY HEALTH | $47K | — | $47K | 4.00% |
| SWANSON-PHILLIPS & ASSOC3 Filed as: SWANSON-PHILLIPS & ASSOCIATES | 833 KENMOOR AVENUE SOUTHEAST #B GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 5.71% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC | 500 CASCADE WEST PARKWAY SUITE 160 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.65% |
| SWANSON-PHILLIPS & ASSOC3 | 833 KENMOOR AVENUE SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $352 | $4K | 9.41% |
| SWANSON-PHILLIPS & ASSOC3 | 833 KENMOOR AVENUE SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $235 | $4K | 12.36% |
| SWANSON-PHILLIPS & ASSOC3 | 833 KENMOOR AVENUE SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $234 | $4K | 15.87% |
| SWANSON-PHILLIPS & ASSOC3 Filed as: SWANSON-PHILLIPS & ASSOCIATES, LLC | 833 KENMOOR AVENUE SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $787 | — | $787 | 5.58% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 500 CASCADE ROAD #160 GRAND RAPIDS, MI 49546 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $772 | — | $772 | 5.47% |
| SWANSON-PHILLIPS & ASSOC3 Filed as: SWANSON-PHILLIPS & ASSOCIATES, LLC | 833 KENMOOR AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $757 | — | $757 | 5.36% |
| SWANSON-PHILLIPS & ASSOC3 | 833 KENMOOR AVENUE SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $895 | $83 | $978 | 10.92% |
| SWANSON-PHILLIPS & ASSOC3 | 833 KENMOOR AVENUE SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $369 | $369 | 46.24% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 300 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 303 | $75K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 221 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $30K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.