| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETH W. WIERENGA3 | 2126 WATERMARK DRIVE SE GRANDRAPIDS, MI 49546 | DEARBORN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 7.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $8K | $8K | 10.56% |
| BETH W. WIERENGA3 | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $209 | $0 | $209 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 OTTAWA NW GRAND RAPIDS, MI 49503 | LIFESECURE INSURANCE COMPANY | $4K | $0 | $4K | 9.23% |
| BETH W. WIERENGA3 | 2126 WATERMARK DRIVE SE GRANDRAPIDS, MI 49546 | LIFESECURE INSURANCE COMPANY | $2K | $0 | $2K | 5.75% |
| CHRISTINA SHEPARD3 Filed as: CHRISTINA SHEPARD AND OTHER AGENTS | 10286 RIFLE STREET COMMERCE CITY, CO 80022 | AFLAC | $2K | $254 | $3K | 7.58% |
| JUDITH I VIDAL3 Filed as: JUDITH D. DADD | 3202 ALDEN DRIVE LANSING, MI 48910 | AFLAC | $1K | $110 | $1K | 3.63% |
| JAMES MICHAEL WIMBERLY3 | 808 FOWLER CIRCLE BIRMINGHAM, AL 35215 | AFLAC | $581 | $65 | $646 | 1.78% |
| JOHN J ASTOR3 Filed as: JOHN J. ASTOR | 4251 ISLAND CIRCLE, APARTMENT C FORT MYERS, FL 33919 | AFLAC | $394 | $0 | $394 | 1.09% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | AFLAC | $316 | $0 | $316 | 0.87% |
| CHRISTINA M SEXTON3 Filed as: CHRISTINA M. SEXTON | 9280 WEST 100TH WAY BROOMFIELD, CO 80021 | AFLAC | $245 | $0 | $245 | 0.68% |
| CHRISTINA M SEXTON3 Filed as: CHRISTINA M. SEXTON | PO BOX 3156 ENGLEWOOD, CO 80155 | AFLAC | $204 | $7 | $211 | 0.58% |
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 | 991 | 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) | 991 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,382 | $80K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 991 | $253K |
| Short-term disability | AFLAC | 57 | $36K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 991 | $253K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 991 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,382 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.