| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET SUITE 200 GRANDS RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $0 | $28K | 14.87% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET SUITE 200 GRANDS RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 24.66% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $890 | $0 | $890 | 2.61% |
| W. E. HAHN AFFILIATE SVCS., LLC3 | 2419 GLEN VALLEY AVENUE NW WALKER, MI 46544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | $0 | $355 | 1.04% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM JOHNSON & ASSOCIATES, LLC | 1755 INDIAN LAKES CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | $0 | $122 | 0.36% |
| SAMANTHA M BENEDETTI3 | 2922 FULLER AVENUE NE, SUITE 202 GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | $0 | $93 | 0.27% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: HARRIS AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.12% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 543 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 543 | $716K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 543 | $716K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $188K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $188K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $188K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 543 | $1.9M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.