| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM JOHNSON & ASSOC LLC3 | 17276 VIOLET RUTH DR NE CEDAR SPRINGS, MI 49319 | AFLAC | $10K | — | $10K | 22.44% |
| WILLIAM HAHN3 | 2419 GLEN VALLEY DR NW WALKER, MI 49544 | AFLAC | $4K | $24 | $4K | 8.98% |
| EOWALTER3 LLC3 | PO BOX 150199 GRAND RAPIDS, MI 49515 | AFLAC | $2K | — | $2K | 4.99% |
| CARLOS ESPINOZA3 | 154 STATE RD NEWAYGO, MI 49337 | AFLAC | $2K | — | $2K | 3.88% |
| JEFFREY M WAGNER3 | 5459 AVERILL AVE SW WYOMING, MI 49548 | AFLAC | $1K | — | $1K | 3.18% |
| JEFFREY WEESIES3 | 2771 W WEBSTER RD MONTAGUE, MI 49441 | AFLAC | $636 | — | $636 | 1.38% |
| JULIA DENNIS3 | 739 WILSON AVE NORTON SHORES, MI 49441 | AFLAC | $480 | — | $480 | 1.04% |
| LEANN P DAVIDSON3 | 871 E MCKINLEY RD ROTHBURY, MI 49452 | AFLAC | $61 | $21 | $82 | 0.18% |
| ANTHONY GRIFFIN3 | 3531 HILLCROFT AVE SW WYOMING, MI 49548 | AFLAC | $35 | — | $35 | 0.08% |
| WHITE LAKE AGENCY INC3 | 4534 DOWLING MONTAGUE, MI 49437 | AFLAC | $35 | — | $35 | 0.08% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DR SW GRANDVILLE, MI 49418 | AFLAC | $25 | $4 | $29 | 0.06% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRL CEDAR SPRINGS, MI 49319 | AFLAC | $15 | $4 | $19 | 0.04% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $13 | $4 | $17 | 0.04% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $13 | — | $13 | 0.03% |
| KEVIN L ERB3 | 5080 DOWLING ST MONTAGUE, MI 49437 | AFLAC | $9 | — | $9 | 0.02% |
| STEVEN MILLER3 | 1115 TAYLOR AVE N STE 112 GRAND RAPIDS, MI 49503 | AFLAC | $4 | — | $4 | 0.01% |
| KIMBERLY S RAHRIG3 | 3492 MEMORIAL DR MUSKEGON, MI 49445 | AFLAC | $3 | — | $3 | 0.01% |
| CORE DESIGN LLC3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | AFLAC | $1 | — | $1 | 0.00% |
| EDGE INSURANCE GROUP LLC3 | 126 N BRIDGE ST DEWITT, MI 488208900 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $808 | $4K | 10.91% |
| EDGE INSURANCE GROUP LLC3 | 126 N BRIDGE ST DEWITT, MI 488208900 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $735 | $6K | 15.91% |
| EDGE INSURANCE GROUP LLC3 | 126 N BRIDGE ST DEWITT, MI 482208900 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $443 | $3K | 15.44% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $22K |
| Other(2 contracts, 2 carriers) | AFLAC | 174 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.