| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HILL3 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | DELTA DENTAL | $5K | — | $5K | 1.77% |
| MICHAEL HILL3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | DELTA DENTAL | $2K | — | $2K | 0.74% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 9.06% |
| COLDBROOK INSURANCE GROUP3 | 2000 OAK INDUSTRIAL DRIVE NE STE B GRAND RAPIDS, MI 49505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.50% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $837 | — | $837 | 0.88% |
| COLDBROOK INSURANCE GROUP3 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.30% |
| TOTAL BENEFIT SOLUTIONS3 Filed as: TOTAL CONTROL HEALTH PLANS | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.70% |
| COLDBROOK INSURANCE GROUP3 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.41% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $805 | $0 | $805 | 1.64% |
| COLDBROOK INSURANCE GROUP3 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.34% |
| COLDBROOK INSURANCE GROUP5 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.14% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $761 | $0 | $761 | 1.66% |
| COLDBROOK INSURANCE GROUP3 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.65% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $941 | $0 | $941 | 2.78% |
| COLDBROOK INSURANCE GROUP3 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.98% |
| COLDBROOK INSURANCE GROUP5 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $961 | $961 | 3.72% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $780 | $0 | $780 | 3.02% |
| COLDBROOK INSURANCE GROUP3 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.90% |
| TCHP, LLC3 Filed as: TCHP. LLC | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $769 | $0 | $769 | 3.91% |
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 | 866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 988 | $292K |
| Vision | VISION SERVICE PLAN | 553 | $67K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 868 | $96K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $155K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 988 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.