| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETH W. WIERENGA3 | 2126 WATERMARK DRIVE SE GRAND RAPIDS, MI 49546 | DEARBORN LIFE INSURANCE COMPANY | $22K | $0 | $22K | 6.51% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $13K | $13K | 13.16% |
| BETH W. WIERENGA3 | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 2.41% |
| MJ INSURANCE3 Filed as: C. L. SHEPARD & VARIOUS AGENTS | 10286 RIFLE STREET COMMERCE CITY, CO 80022 | AFLAC | $4K | $132 | $4K | 7.43% |
| ROBERT SORRELL3 | 1029 MOURNING DOVE SCHERTZ, TX 78154 | AFLAC | $2K | $0 | $2K | 3.99% |
| JUDITH I VIDAL3 Filed as: JUDITH D. DADD | 3202 ALDEN DRIVE LANSING, MI 48910 | AFLAC | $1K | $109 | $1K | 2.84% |
| AUDREY C TROTTIE3 Filed as: AUDREY C. TROTTIE | 2382 CLIFTON SPRINGS ROAD DECATUR, GA 30034 | AFLAC | $535 | $0 | $535 | 1.08% |
| ROBERT W GOLDEN3 Filed as: ROBERT W. GOLDEN | 1259 LOOP 337, SUITE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $445 | $0 | $445 | 0.90% |
| LESLEY J BALIN3 Filed as: LESLEY J. BALIN | 7 CAROLYN COURT MORRISTOWN, NJ 07960 | AFLAC | $384 | $39 | $423 | 0.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 1259 LOOP 337, SUITE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $269 | $0 | $269 | 0.54% |
| BETH W. WIERENGA3 | 2126 WATERMARK DRIVE SE GRAND RAPIDS, MI 49546 | LIFESECURE INSURANCE COMPANY | $4K | $0 | $4K | 8.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 OTTAWA NW GRAND RAPIDS, MI 49503 | LIFESECURE INSURANCE COMPANY | $3K | $0 | $3K | 6.84% |
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 | 1,198 | 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) | 1,198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,674 | $96K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,198 | $333K |
| Short-term disability | AFLAC | 50 | $49K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,198 | $333K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,198 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,674 | — |
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.