| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SONJA KAMER3 | 1 SOUTH WAVERLY ROAD HOLLAND, MI 49423 | BLUE CARE NETWORK OF MICHIGAN | $29K | $0 | $29K | 4.64% |
| HIGH STREET INSURANCE PARTNERS, INC3 | 500 GRISWOLD SUITE 2700 DETROIT, MI 48226 | BLUE CARE NETWORK OF MICHIGAN | $0 | $827 | $827 | 0.13% |
| OTTAWA KENT INSURANCE AGENCY3 Filed as: OTTAWA KENT INSURANCE AGENCY, INC. | 7472 MAIN STREET JENISON, MI 49429 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 10.74% |
| HIGH STREET INSURANCE PARTNERS, INC3 | 305 WEST FRONT STREET TRAVERSE CITY, MI 49684 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.75% |
| SONJA KAMER3 | 1 SOUTH WAVERLY ROAD HOLLAND, MI 49423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 4.21% |
| HIGH STREET INSURANCE PARTNERS, INC3 | 500 GRISWOLD SUITE 2700 DETROIT, MI 48226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $165 | $165 | 0.17% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 158 | $728K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $117K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $117K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $117K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $117K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.