| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FMLA SOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $16K | $16K | 13.75% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.71% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.68% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| COLDBROOK INSURANCE GROUP5 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.67% |
| TCHP, LLC5 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $114 | $114 | 0.22% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.89% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| COLDBROOK INSURANCE GROUP5 | 2000 OAK INDUSTRIAL DRIVE NE SUITE B GRAND RAPIDS, MI 49505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.58% |
| TCHP, LLC5 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $94 | $94 | 0.33% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.26% |
| TOTAL BENEFIT SOLUTIONS3 Filed as: TOTAL CONTROL HEALTH PLANS | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | VISION SERVICE PLAN | $4K | — | $4K | — |
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 | 893 | 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) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 524 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 893 | $114K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $92K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $23K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 893 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.