| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON SNEAD3 Filed as: JON D SNEAD | 50 LOUIS ST NW STE 200 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | — | $24K | 2.15% |
| SARAH C HOFFMAN3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 1.57% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.14% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC | JON SNEAD 75 REMITTANCE DR CHICAGO, IL 60675 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.53% |
| ACRISURE LLC3 | SARAH HOFFMAN 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.60% |
| JON SNEAD3 Filed as: JON D SNEAD | 50 LOUIS ST NW STE 200 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 3.42% |
| SARAH C HOFFMAN3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 1.84% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | BLUE CARE NETWORK OF MICHIGAN | — | $66 | $66 | 0.11% |
| JASON NICKEL3 Filed as: JASON D NICKEL | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | BLUE CARE NETWORK OF MICHIGAN | -$801 | — | -$801 | -1.34% |
| AON CONSULTING INC3 | 259 N RADNOR CHESTER RD STE 160 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.10% |
| ACRISURE LLC3 | 2176 E CENTRE AVE PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.90% |
| ACRISURE LLC3 | 2176 CENTRE AVE PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.68% |
| AON CONSULTING INC3 | 259 N RADNOR CHESTER RD STE 160 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.32% |
| AON CONSULTING INC3 | 259 N RADNOR CHESTER RD STE 160 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $847 | — | $847 | 5.20% |
| ACRISURE LLC3 | 2176 E CENTRE AVE PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $781 | — | $781 | 4.80% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 1115 TAYLOR AVE NE STE 112 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $1K | — | $1K | 8.77% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $884 | — | $884 | 7.47% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | THE ROBBINS GROUP-BOR PO BOX 610609 PORT HURON, MI 48061 | EYEMED VISION CARE | $435 | — | $435 | 3.68% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 1104 FULLER AVENUE NE GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $47 | — | $47 | 0.40% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $431 | $96 | $527 | 6.17% |
| AON CONSULTING INC3 | 259 N RADNOR CHESTER RD STE 160 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $210 | — | $210 | 5.27% |
| ACRISURE LLC3 | 2176 E CENTRE AVE PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $189 | — | $189 | 4.74% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 276 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 257 | $93K |
| Vision | EYEMED VISION CARE | 191 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $21K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $16K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 276 | $1.2M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.