| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $11K | $25K | 11.67% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 5.00% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 140 MONROE CENTER STREET NW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.97% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MICHIGAN, LLC | 140 MONROE CENTER STREET NW GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.05% |
| JOY A RYBICKI3 Filed as: JOY A. RYBICKI | 71 129TH AVENUE WAYLAND, MI 49348 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.63% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM J. & ASSOC. & OTHER AGENTS | 1755 INDIAN LAKES CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $643 | $0 | $643 | 0.92% |
| MARY M CAMPBELL3 Filed as: MARY M. CAMPBELL | 9480 WEST Y AVENUE SCHOOLCRAFT, MI 49087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $376 | $0 | $376 | 0.54% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K. HARRIS AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $373 | $0 | $373 | 0.54% |
| RAY W HINKLE3 Filed as: RAY W. HINKLE | 1525 PLYMOUTH AVENUE SE GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $318 | $0 | $318 | 0.46% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES INC. | 600 SOUTH WALNUT STREET LANSING, MI 48933 | VISION SERVICE PLAN | $2K | $0 | $2K | 12.97% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.98% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $49 | $0 | $49 | 0.30% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $218K |
| Vision | VISION SERVICE PLAN | 153 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $218K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $218K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.