| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HNI RISK SERVICES3 | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 9.28% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 23.85% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K. HARRIS AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 10.86% |
| MARY M CAMPBELL3 Filed as: MARY M. CAMPBELL | 9480 WEST Y AVENUE SCHOOLCRAFT, MI 49087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 8.98% |
| ASHLEY M. MESSENGER3 | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.88% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE SUIET 201 MUSKEGON, MI 49411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $892 | $0 | $892 | 1.09% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS, LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $596 | $0 | $596 | 0.73% |
| ROBERT L PARSONS3 Filed as: ROBERT L. PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $296 | $0 | $296 | 0.36% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $2K | $0 | $2K | 11.12% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $166K |
| Vision | VISION SERVICE PLAN | 116 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $166K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $166K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.