| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE R. STOUFFER3 Filed as: MICHELLE STOUFFER | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $71K | $0 | $71K | 5.46% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $0 | $893 | $893 | 0.07% |
| MICHELLE R. STOUFFER3 Filed as: MICHELLE STOUFFER | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $56K | $0 | $56K | 5.21% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $846 | $846 | 0.08% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 6.91% |
| TRICOAST ADVISORS LLC3 | 140 MONROE CENTER STREET SUITE 200 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.84% |
| HNI RISK SERVICES3 | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 23.73% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 11.26% |
| SANTIAGO & ASSOCIATES LLC3 | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | $0 | $241 | 0.64% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K. HARRIS AND ASSOCIATES LLC | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.07% |
| SAMANTHA BENEDETTI | 3880 YORKLAND DRIVE NW APARTMENT 12 COMSTOCK PARK, MI 49321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.07% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM JOHNSON & ASSOCIATES LLC | 17276 VIOLET RUTH CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.04% |
| W.E. HAHN AFFILIATED SERVICES LLC3 | 2419 GLEN VALLEY DRIVE NW WALKER, MI 49544 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$54 | $0 | -$54 | -0.14% |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 595 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 595 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 595 | $1.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $196K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $196K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $196K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 595 | $2.4M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.