| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN A VAN DE VENTER3 Filed as: GLEN A. VAN DE VENTER | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | $0 | $31K | 3.17% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $6K | $6K | 0.62% |
| RYAN ROOT3 Filed as: RYAN S. ROOT | 3055 44TH SW STREET GRANDVILLE, MI 49468 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 0.49% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | COMPANION LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.38% |
| BENEFITS PROFILES INC3 Filed as: BENEFITS PROFILES, INC. | 500 CASCADE WEST PARKWAY SE SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.06% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCADE WEST PARKWAY SE SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.90% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 259 | $973K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 134 | $169K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 134 | $169K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 134 | $169K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 134 | $169K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 259 | $973K |
| Other | COMPANION LIFE INSURANCE COMPANY | 134 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.