| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM JOHNSON & ASSOC LLC3 | 17276 VIOLET RUTH DR NE CEDAR SPRINGS, MI 49319 | AFLAC | $4K | $105 | $4K | 7.95% |
| CARLOS ESPINOZA3 | 154 STATE RD NEWAYGO, MI 49337 | AFLAC | $1K | $5 | $1K | 2.67% |
| EOWALTER3 LLC3 | PO BOX 150199 GRAND RAPIDS, MI 49515 | AFLAC | $1K | $21 | $1K | 2.36% |
| MICHELLE MARIE WALLER3 | 8789 DICKERSON LAKE RD GREENVILLE, MI 48838 | AFLAC | $829 | — | $829 | 1.71% |
| CHRISTINE E JOHNSON3 | 17276 VIOLET RUTH DR NE CEDAR SPRINGS, MI 49319 | AFLAC | $752 | — | $752 | 1.55% |
| RANDALL BENNETT3 | 14474 CROOKED TREE LN GRAND HAVEN, MI 49417 | AFLAC | $745 | — | $745 | 1.54% |
| WILLIAM HAHN3 | 2419 GLEN VALLEY DR NW WALKER, MI 49544 | AFLAC | $431 | $3 | $434 | 0.90% |
| W E HAHN AFFILIATED SVCS LLC3 | 2922 FULLER AVE NE STE 202 GRAND RAPIDS, MI 49505 | AFLAC | $313 | $3 | $316 | 0.65% |
| ANTHONY GRIFFIN3 | 3531 HILLCROFT AVE SW WYOMING, MI 49548 | AFLAC | $280 | — | $280 | 0.58% |
| JEFFREY WEESIES3 | 2772 W WEBSTER RD MONTAGUE, MI 49437 | AFLAC | $193 | — | $193 | 0.40% |
| JULIA DENNIS3 | 739 WILSON AVE NORTON SHORES, MI 49441 | AFLAC | $117 | — | $117 | 0.24% |
| ANTHONY GRIFFIN3 | 430 ELMWOOD ST NE GRAND RAPIDS, MI 49505 | AFLAC | $61 | — | $61 | 0.13% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $24 | — | $24 | 0.05% |
| KEVIN L ERB3 | 5080 DOWLING ST MONTAGUE, MI 49437 | AFLAC | $17 | — | $17 | 0.04% |
| STEVEN MILLER3 | 89 MONROE CENTER ST NW STE 200 GRAND RAPIDS, MI 49503 | AFLAC | $8 | — | $8 | 0.02% |
| KIMBERLY S RAHRIG3 | 3492 MEMORIAL DR MUSKEGON, MI 49445 | AFLAC | $6 | — | $6 | 0.01% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVE SW, STE D WYOMING, MI 494188867 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $826 | $6K | 15.33% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVE SW, STE D WYOMING, MI 494188867 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $879 | $4K | 11.21% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVE SW, STE D WYOMING, MI 494188867 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $493 | $3K | 15.69% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 5570 WILSON AVE SW SUITE D GRANDVILLE, MI 49418 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 50.37% |
| JEFFREY D DEKAM3 | 3185 MACATAWA DRIVE S STE D GRANDVILLE, MI 49418 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.34% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 126 N BRIDGE ST DEWITT, MI 48820 | EYEMED VISION CARE | $1K | — | $1K | 7.59% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 5570 WILSON AVENUE SW GRANDVILLE, MI 49418 | EYEMED VISION CARE | $170 | — | $170 | 1.19% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 292 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $22K |
| Other(3 contracts, 3 carriers) | AFLAC | 213 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
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.