| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 8.90% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 140 MONROE CENTER ST NW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 8.08% |
| EL TORRO INC3 | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 6.74% |
| NICOLE DOLPHIN3 Filed as: NICOLE L DOLPHIN | 5314 QUEST DR SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.73% |
| R WADE INSURANCE AGENCY3 Filed as: R WADE INSURANCE AGENCY INC | 1027 ABERDEEN ST NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.61% |
| JOY A RYBICKI3 | 71-129TH AVE WAYLAND, MI 49348 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.06% |
| VANESSA L TORRES3 | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.02% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 1901 N FAIRVIEW AVE LANSING, MI 48912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.71% |
| EL TORRO INC3 | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $898 | — | $898 | 0.60% |
| WILLIAM JOHNSON & ASSOC LLC3 | 1755 INDIAN LAKES CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $874 | — | $874 | 0.58% |
| MARY M CAMPBELL3 | 9480 W Y AVENUE SCHOOLCRAFT, MI 49087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $345 | — | $345 | 0.23% |
| K HARRIS & ASSOCIATES, LLC3 | 950 W. NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $336 | — | $336 | 0.22% |
| RAY W HINKLE3 | 6062 ARCHER ST NE ROCKFORD, MI 49341 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | — | $236 | 0.16% |
| SANTIAGO & ASSOCIATES LLC3 | 950 W. NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 0.11% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY M MESSENGER | 41 26TH ST N BATTLE CREEK, MI 49015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.04% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.02% |
| MONICA MILLER3 | 675 PRESERVE CIRCLE DR SE APT 3 GRAND RAPIDS, MI 49548 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| SARAH E MEANY3 | 3746 CHAMBERLAIN AVE SE GRAND RAPIDS, MI 49508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| ROBERT L PARSONS3 | 4130 WEST D AVE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ACRISURE LLC3 | DBA HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 7.97% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| ACRISURE LLC3 | DBA HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 4.90% |
| ACRISURE LLC3 | DBA HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 14.47% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES INC | 600 S WALNUT ST LANSING, MI 48933 | VISION SERVICE PLAN | $3K | — | $3K | 13.00% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $72 | — | $72 | 0.31% |
| ACRISURE LLC3 | DBA HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $665 | $219 | $884 | 13.29% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $333 | $333 | 5.01% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $108K |
| Vision | VISION SERVICE PLAN | 162 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $72K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $112K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 224 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.