| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN FALKOWSKI3 | 17272 ROBBINS RD GRAND HAVEN, MI 49417 | BLUE CARE NETWORK OF MICHIGAN | $34K | — | $34K | 2.68% |
| WESTERN WAVE LLC | 2039 RAMBLING OAK DRIVE MUSKEGON, MI 49445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 10.30% |
| CONDRONERICJ3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.88% |
| BRUCE A VAN RYN3 Filed as: BRUCE VANRYN | 3053 RIVERVALE DRIVE SOUTHWEST ST GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.78% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $986 | — | $986 | 1.63% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $387 | — | $387 | 0.64% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $327 | — | $327 | 0.54% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE STE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.22% |
| HEATHER DOLLIVER3 | 212 W SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.16% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 5415 MORNING VIEW TERRACE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.16% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE STE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.12% |
| CHRIS BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.08% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES SNIDER | 2365 BOSTON ST BALTIMORE, MD 21224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.08% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.07% |
| JIM M BULLOCK3 Filed as: JIM BULLOCK | 3715 POWDERHORN DR OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.06% |
| JULIE SLAUGHTER3 | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE AGENCY | 17272 ROBBINS ROAD SUITE B GRAND HAVEN, MI 49417 | RELIANCE STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE AGENCY | 17272 ROBBINS ROAD SUITE B GRAND HAVEN, MI 49417 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 16.27% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE AGENCY | 17272 ROBBINS ROAD GRAND HAVEN, MI 49417 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BRIAN FALKOWSKI3 | 17272 ROBBINS RD S-B GRAND HAVEN, MI 49417 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | $364 | $6K | 70.42% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE AGENCY | 17272 ROBBINS ROAD SUITE B GRAND HAVEN, MI 49417 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 100.00% |
| WESTERN WAVE LLC3 | 2039 RAMBLING OAK DR MUSKEGON, MI 49445 | AFLAC | $740 | — | $740 | 1027.78% |
| WESTERN WAVE LLC3 | 2039 RAMBLING OAK MUSKEGON, MI 49445 | AFLAC | $703 | — | $703 | 976.39% |
| STEVEN MILLER3 | 1115 TAYLOR AVE N STE 112 GRAND RAPIDS, MI 49503 | AFLAC | $170 | — | $170 | 236.11% |
| BRUCE A VAN RYN3 Filed as: BRUCE A VANRYN | 3053 RIVERDALE DR SW GRANDVILLE, MI 49418 | AFLAC | $170 | — | $170 | 236.11% |
| LEANN P DAVIDSON3 | 871 E MCKINLEY RD ROTHBURY, MI 49452 | AFLAC | $144 | — | $144 | 200.00% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | AFLAC | $115 | — | $115 | 159.72% |
| ERIC J CONDRON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | AFLAC | $108 | — | $108 | 150.00% |
| JEREMY KOOI3 | 4001 FELLAND RD SUITE 106 MADISON, WI 53718 | AFLAC | $78 | — | $78 | 108.33% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $32 | — | $32 | 44.44% |
| CAROL A SMYTHE3 | 915 LAKE AVENUE NORTH MUSKEGON, MI 49445 | AFLAC | $26 | — | $26 | 36.11% |
| BRUCE P VAN ANTWERP3 | 2578 BYRON RD HUDSONVILLE, MI 49426 | AFLAC | $22 | — | $22 | 30.56% |
| JAMES C SNIDER JR3 | 2365 BOSTON ST BALTIMORE, MD 21224 | AFLAC | $22 | — | $22 | 30.56% |
| JASON SCZEPANIAK3 | 4001 FELLAND ROAD STE 106 MADISON, WI 53718 | AFLAC | $21 | — | $21 | 29.17% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $20 | — | $20 | 27.78% |
| JEFFREY W XAVER3 | 4477 WOLVERINE DR WILLIAMSBURG, MI 49690 | AFLAC | $18 | — | $18 | 25.00% |
| AG AND ASSOCIATES | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $16 | — | $16 | 22.22% |
| ANDREW R GRETHEL3 | 5963 LA PLACE COURT SUITE 107 CARLSBAD, CA 92008 | AFLAC | $12 | — | $12 | 16.67% |
| LAURA DILLIVAN Filed as: LAURA AND DILLIVAN | 1622 SHERMAN ST SE 2E GRAND RAPIDS, MI 49506 | AFLAC | $7 | — | $7 | 9.72% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 6.94% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 385 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 154 | $9K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 154 | $9K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $12K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 190 | $35K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 385 | $1.3M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.