| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETH W. WIERENGA3 | 2126 WATERMARK DRIVE SE GRAND RAPIDS, MI 49546 | DEARBORN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | DEARBORN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.30% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS AND OTHER AGENTS | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | AFLAC | $4K | $108 | $4K | 8.64% |
| JUDITH I VIDAL3 Filed as: JUDITH D. DADD | 3202 ALDEN DRIVE LANSING, MI 48910 | AFLAC | $2K | $112 | $2K | 4.88% |
| JAMES MICHAEL WIMBERLY3 | 808 FOWLER CIRCLE BIRMINGHAM, AL 35215 | AFLAC | $2K | $20 | $2K | 4.28% |
| KRISTY L. SOMMERS3 | 2306 RUBY SUNSET SAN ANTONIO, TX 78232 | AFLAC | $803 | $55 | $858 | 1.94% |
| LISA B NIELSEN3 Filed as: LISA B. NEILSEN | 5722 SOUTH JORDAN CANAL ROAD SALT LAKE CITY, UT 84129 | AFLAC | $786 | $0 | $786 | 1.78% |
| CHRISTINA SHEPARD3 Filed as: CHRISTINA LYNN SHEPARD | PO BOX 4131 ENGLEWOOD, CO 80155 | AFLAC | $560 | $127 | $687 | 1.55% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T. BENES | 692 TRANSART PARKWAY CANTON, GA 30114 | AFLAC | $485 | $0 | $485 | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 OTTAWA NW GRAND RAPIDS, MI 49503 | LIFESECURE INSURANCE COMPANY | $5K | $0 | $5K | 12.83% |
| BETH W. WIERENGA3 | 2126 WATERMARK DRIVE SE GRAND RAPIDS, MI 49546 | LIFESECURE INSURANCE COMPANY | $327 | $0 | $327 | 0.84% |
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 | 758 | 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) | 758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 758 | $61K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 758 | $216K |
| Short-term disability | AFLAC | 52 | $44K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 758 | $216K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 758 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 758 | — |
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.