| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON NICKEL3 Filed as: JASON D NICKEL | 4808 BROADMOOR SE GRAND RAPIDS, MI 495125306 | BLUE CARE NETWORK OF MICHIGAN | $23K | — | $23K | 3.25% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 495140167 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 0.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LTD | 625 KENMOOR AVE. SUITE 200 GRAND RAPIDS, MI 495452395 | BLUE CARE NETWORK OF MICHIGAN | — | $83 | $83 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - GRAND RAPIDS | PO BOX 929 BURLINGTON, NC 27216 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 6.09% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS. GROUP INC. | 4808 BROADMOOR AVE SE GRAND RAPID, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $939 | $2K | 13.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 555 E. LANCASTER AVE. STE. 300 RADNOR, PA 190875159 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $314 | — | $314 | 1.72% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS. GROUP INC. | 4808 BROADMOOR AVE SE GRAND RAPID, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $557 | $2K | 15.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 555 LANCASTER AVE. STE. 300 RADNOR, PA 190875159 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $475 | — | $475 | 3.03% |
| LIGHTHOUSE GROUP3 Filed as: LIGHHOUSE INS GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPID, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $320 | $1K | 10.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 555 E. LANCASTER AVE. STE. 300 RADNOR, PA 190875159 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $250 | — | $250 | 1.99% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS. GROUP | 1115 TAYLOR AVE N SUITE 112 GRAND RAPIDS, MI 49506 | EYEMED VISION CARE | $247 | — | $247 | 2.62% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES GRAND RAPIDS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $56 | — | $56 | 0.59% |
| LIGHTHOUSE GROUP3 Filed as: LIGHHOUSE INS GROUP INC | 4808 BORADMOOR AVE. SE GRAND RAPIDS, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $249 | $81 | $330 | 10.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 555 E. LANCASTER AVE. STE. 300 RADNOR, PA 190875159 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $63 | — | $63 | 2.02% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 211 | $788K |
| Dental | DELTA DENTAL OF MICHIGAN | 253 | $74K |
| Vision | EYEMED VISION CARE | 191 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $13K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 211 | $788K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.