| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WRIGHT, DEBRA3 | 50 LOUIS STREET NORTHWEST SUITE 510 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $100K | $0 | $100K | 3.05% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 50 LOUIS STREET NORTHWEST SUITE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $15K | $35K | 13.62% |
| MICHELLE R. STOUFFER3 Filed as: MICHELLE R STOUFFER | 50 LOUIS STREET NORTHWEST SUITE 510 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | $0 | $9K | 3.91% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 50 LOUIS STREET NORTHWEST SUITE 510 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 1.06% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 50 LOUIS STREET NORTHWEST SUITE 510 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 32.45% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | $0 | $220 | 0.55% |
| W.E. HAHN AFFILIATED SERVICES LLC3 Filed as: W. E. HAHN AFFILIATED SVC., LLC | 2419 GLEN VALLEY DRIVE NORTHWEST WALKER, MI 49544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.09% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K. HARRIS & ASSOCIATES, LLC | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.06% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM JOHNSON & ASSOCIATES, LLC | 17276 VIOLET RUTH CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.04% |
| SAMANTHA BENEDETTI3 | 942 4 MILE ROAD, APARTMENT 2D GRAND RAPIDS, MI 49544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
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 | 535 | 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) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 840 | $3.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 840 | $223K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 840 | $223K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 532 | $254K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 532 | $254K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 532 | $254K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 840 | $3.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 532 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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.