| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBRA VANSWEDEN3 | 140 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $58K | $0 | $58K | 3.04% |
| HNI RISK SERVICES3 | PO BOX 510187 NEW BERLIN, WI 53151 | STARMOUNT LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.01% |
| HNI RISK SERVICES3 | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $3K | $16K | 11.31% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| LIFETIME FINANCIAL GROWTH OF MI3 | 24255 WEST 13 MILE ROAD, SUITE 250 BINGHAM, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $100 | $0 | $100 | 0.43% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET NW GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 9.99% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 563 | $1.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 207 | $146K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 389 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $139K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $139K |
| Prescription drug | PRIORITY HEALTH | 563 | $1.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.