| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS L DERKS3 | 2850 GOLD ROAD ROLLING MEADOWS, IL 60008 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483020968 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 10.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23 | $23 | 0.01% |
| NORTHSTAR AGENCY LLC3 Filed as: NORTHSTAR AGENCY, LLC | 5754 FARR ROAD FRUITPORT, MI 49415 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.99% |
| WESTERN WAVE LLC3 | 2039 RAMBLING OAK DRIVE MUSKEGON, MI 49445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $853 | — | $853 | 2.12% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $510 | — | $510 | 1.27% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $229 | — | $229 | 0.57% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO & ASSOCIATES, LLC | 950 W. NORTON AVE STE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | — | $200 | 0.50% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DRIVE SOUTHWEST GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | 0.45% |
| K HARRIS & ASSOCIATES, LLC3 | 950 W. NORTON AVE STE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | — | $178 | 0.44% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.43% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE STE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.34% |
| ANNETTE L RUS3 | 5135 S. HILTON PARK RD FRUITPORT, MI 49415 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.32% |
| DANICA J AGUILAR | 921 MOULTON AVENUE NORTH MUSKEGON, MI 49445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.21% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 5567 MADISON AVE HUDSONVILLE, MI 49426 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.20% |
| WILLIAM JOHNSON & ASSOC LLC | 1755 INDIAN LAKES CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.13% |
| MIKE S GAYNOR3 | 8672 SHORE WAY DR SW BYRON CENTER, MI 60642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.07% |
| HEATHER A DOLLIVER3 | 212 W SILVER LAKE ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 830 JUANITA RAEL WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| JIM M BULLOCK3 | 3715 POWDERHORN DR. OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| STEPHANIE L KESSELRING3 | 4112 W OAKELLAR AVE TAMPA, FL 33611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE STE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE STE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| JULIE SLAUGHTER3 | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 10.00% |
| WILLIAM DAVID BARHAM3 | 450 MORRIS AVE STE 201 MUSKEGON, MI 49440 | AFLAC | $512 | — | $512 | 5.32% |
| STEVEN MILLER3 | 89 MONROE CENTER ST NW STE 200 GRAND RAPIDS, MI 49503 | AFLAC | $85 | — | $85 | 0.88% |
| ERIC J CONDRON3 | 11358 WILD POND DR SE ROCKFORD, MI 49341 | AFLAC | $80 | — | $80 | 0.83% |
| JEREMY KOOI3 Filed as: JEREMY KOOL | 270 SHAKERAG ST MINERAL POINT, WI 53565 | AFLAC | $76 | — | $76 | 0.79% |
| LEANN P DAVIDSON3 | 871 E MCKINLEY RD ROTHBURY, MI 49452 | AFLAC | $65 | — | $65 | 0.68% |
| WILLIAM DAVID BARHAM3 | 450 MORRIS AVE STE 201 MUSKEGON, MI 49440 | AFLAC | $40 | — | $40 | 0.42% |
| KEVIN L ERB3 | 5080 DOWLING ST MONTAGUE, MI 49437 | AFLAC | $35 | — | $35 | 0.36% |
| CAROL A SMYTHE3 | 915 LAKE AVENUE NORTH MUSKEGON, MI 49445 | AFLAC | $26 | — | $26 | 0.27% |
| BRUCE P VAN ANTWERP3 | 2578 BYRON RD HUDSONVILLE, MI 49426 | AFLAC | $24 | — | $24 | 0.25% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $23 | — | $23 | 0.24% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $20 | — | $20 | 0.21% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $18 | — | $18 | 0.19% |
| NORTHSTAR AGENCY LLC3 | 2582 ODAWA TRL MUSKEGON, MI 49444 | AFLAC | $13 | — | $13 | 0.14% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DR SW GRANDVILLE, MI 49418 | AFLAC | $11 | — | $11 | 0.11% |
| JEFFREY W XAVER3 | 5300 EAGLES NEST LN LELAND, MI 49654 | AFLAC | $10 | — | $10 | 0.10% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, WI 49615 | AFLAC | $9 | — | $9 | 0.09% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $8 | — | $8 | 0.08% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRL CEDAR SPRINGS, MI 49319 | AFLAC | $7 | — | $7 | 0.07% |
| JAMES C SNIDER JR3 | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $4 | — | $4 | 0.04% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $3 | — | $3 | 0.03% |
| ALAN BERGMANN3 | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $3 | — | $3 | 0.03% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.01% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $1 | — | $1 | 0.01% |
| DOUGLAS L DERKS3 | 2850 GOLD ROAD ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $6K | $8K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DOUGLAS DERKS INSURANCE AGENT | Insurance agents and brokers; Other fees; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 22 | 2850 GOLD ROAD ROLLING MEADOWS, IL 60008 | $40K |
| GALLAGHER BENEFIT SERVICES INC BROKER | Insurance agents and brokers Service code 22 | 2600 S TELEGRAPH RD BLOOMFIELD HILLS, MI 483020968 | $28K |
| BLUE CROSS AND BLUE SHIELD OF MI EIN 38-2069753 TPA | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $13K |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 405 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 464 | $0 |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 393 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 548 | $211K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 548 | $220K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 548 | $220K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 405 | $1.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 548 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.