| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOLDE, DANIEL N3 | 17335 GOLF PARKWAY SUITE 450 BROOKFIELD, WI 53045 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $125K | $0 | $125K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 721 1ST AVE NORTH FARGO, ND 58102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 15.15% |
| MELISSA A BRINKER3 | 8150 CORPORATE PARK DRIVE #222 CNINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $399 | $0 | $399 | 0.89% |
| ASHLEY M MESSENGER3 | 4200 WEST MICHIGAN AVE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $365 | $0 | $365 | 0.81% |
| BETHANY M MCDADE3 | 546 N DARTMOUTH ST KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | $0 | $148 | 0.33% |
| SHANA WOLF3 Filed as: SHANA R WOLF | 11260 CHESTER RD SUITE100 CINICNNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | $0 | $138 | 0.31% |
| STEVEN R MILLER3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | $0 | $89 | 0.20% |
| SARAH E MEANY3 | 2710 HAMPSHIRE BLVD S.E. GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | $0 | $71 | 0.16% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.12% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | $0 | $52 | 0.12% |
| MICHAEL D AISSEN3 | 920 HOLCOMB BRIDGE RD SUITE 200 ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | $0 | $52 | 0.12% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.10% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WESTCHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.06% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.05% |
| STEVEN HORSTMAN3 Filed as: STEVEN A HORSTMAN | 4998 BARNSBY LANE CINCINNATI, OH 45244 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.05% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WESTCHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.04% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| LINDA R MENDEZ3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| IAN B BRANYON3 | 8744 UNION BLVD WESTCHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MI 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| BRIAN J DAY3 Filed as: BRIAN JOSEPH DAY | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| JIM M BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | E3055 44TH STREET SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| HEIDI E GLAUB3 | 5458 PARKSIDE DRVIE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ROBERT L PARSONS3 | 4130 WEST D AVE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 578 | $3.8M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 578 | $3.8M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 46 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.