| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: EL TORRO INC AND VARIOUS AGENTS | 14031 JOHN HUMPHREY DRIVE ORLANDO PARK, IL 60462 | AFLAC | $379 | $0 | $379 | 6.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49546 | AFLAC | $262 | — | $262 | 4.24% |
| CM FORTADO INC3 | 14031 JOHN HUMPHREY DRIVE ORLANDO PARK, IL 60462 | AFLAC | $99 | $0 | $99 | 1.60% |
| NICHOLAS SWARTZ3 | 2905 WEST MICHIGAN AVENUE KALAMAZOO, MI 49006 | AFLAC | $95 | $0 | $95 | 1.54% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY MARIE MESSENGER | 41 26TH STREET NORTH BATTLE CREEK, MI 49017 | AFLAC | $87 | $0 | $87 | 1.41% |
| HEATHER A. MESSENGER3 Filed as: HEATHER A MESSENGER | 23579 CHURCH ROAD BATTLE CREEK, MI 49017 | AFLAC | $65 | $0 | $65 | 1.05% |
| LINDA HALL3 | 1713 134TH AVENUE WAYLAND, MI 49348 | AFLAC | $64 | $0 | $64 | 1.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOORE AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $327 | $21 | $348 | 14.61% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 500 CASCADE WEST PARKWAY SE GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $161 | $0 | $161 | 6.76% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENEUE TOLEDO, OH 43604 | COMPANION LIFE INSURANCE COMPANY | $31 | $0 | $31 | 1.30% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCADE WEST PARKWAY SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.67% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 11 | $6K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 82 | $2K |
| Short-term disability | AFLAC | 11 | $6K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Other(3 contracts, 3 carriers) | AFLAC | 120 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.