| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOODMAN VENEGAS INSURANCE AGENCY3 | 2800 LIVERNOIS, STE 170 TROY, MI 48083 | BLUE CARE NETWORK OF MICHIGAN | $41K | — | $41K | 1.71% |
| GOODMAN VENEGAS INS AGCY3 | 2800 LIVERNOIS STE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| WILLIAM JOHNSON & ASSOC LLC3 | 17276 VIOLET RUTH DR NE CEDAR SPRINGS, MI 49319 | AFLAC | $11K | — | $11K | 18.34% |
| WILLIAM HAHN3 | 2419 GLEN VALLEY DR NW WALKER, MI 49544 | AFLAC | $6K | $47 | $6K | 9.60% |
| JEFFREY M WAGNER3 | 5459 AVERILL AVE SW WYOMING, MI 49548 | AFLAC | $3K | $245 | $4K | 6.05% |
| EOWALTER3 LLC3 | PO BOX 150199 GRAND RAPIDS, MI 49515 | AFLAC | $3K | — | $3K | 4.89% |
| CARLOS ESPINOZA3 | 154 STATE RD NEWAYGO, MI 49337 | AFLAC | $2K | $2 | $2K | 3.03% |
| CHRISTINE E JOHNSON3 | 17276 VIOLET RUTH DR NE CEDAR SPRINGS, MI 49319 | AFLAC | $16 | — | $16 | 0.03% |
| MICHELLE MARIE WALLER3 | 2100 STAG CT NE CEDAR SPRINGS, MI 49319 | AFLAC | $3 | — | $3 | 0.01% |
| EDGE INSURANCE GROUP LLC3 | 126 N BRIDGE ST DEWITT, MI 48820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 11.08% |
| EDGE INSURANCE GROUP LLC3 | 126 N BRIDGE ST DEWITT, MI 48820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $920 | $6K | 16.11% |
| EDGE INSURANCE GROUP LLC3 | 126 N BRIDGE ST DEWITT, MI 48820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $474 | $3K | 16.60% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 452 | $2.5M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $222K |
| Vision | AFLAC | 119 | $59K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 173 | $97K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 149 | $101K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $19K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 452 | $2.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 173 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.