| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE R. STOUFFER3 Filed as: MICHELLE STOUFFER | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $15K | $0 | $15K | 4.08% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 140 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 6.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49468 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 9.01% |
| EL TORRO INC3 Filed as: EL TORRO, INC. | 5425 MILLS RIDGE DRIVE SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 7.67% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM JOHNSON AND ASSOCIATES, LLC | 17276 VIOLET RUTH CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | $0 | $153 | 1.02% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $938 | $0 | $938 | 14.38% |
| HNI RISK SERVICES3 | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $563 | $0 | $563 | 11.91% |
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 | 65 | 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) | 65 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 27 | $362K |
| Dental | DELTA DENTAL OF MICHIGAN | 49 | $25K |
| Vision | VISION SERVICE PLAN | 30 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $7K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 25 | $15K |
| Prescription drug | PRIORITY HEALTH | 27 | $362K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 94 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.