| 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 | 2.20% |
| GOODMAN VENEGAS INS AGCY3 | 2800 LIVERNOIS STE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVE SW STE D WYOMING, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $861 | $6K | 14.68% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: THE GOODMAN VENEGAS INS AGENCY INC | 2800 LIVERNOIS RD STE 170 TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $518 | — | $518 | 1.37% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVE SW STE D WYOMING, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $948 | $4K | 10.83% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: THE GOODMAN VENEGAS INS AGENCY INC | 2800 LIVERNOIS RD STE 170 TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $289 | — | $289 | 0.78% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVE SW STE D WYOMING, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $417 | $3K | 15.14% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: THE GOODMAN VENEGAS INS AGENCY INC | 2800 LIVERNOIS RD STE 170 TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $298 | — | $298 | 1.76% |
| W E HAHN AFFILIATED SVCS LLC3 | 2922 FULLER AVE NE STE 202 GRAND RAPIDS, MI 49505 | AFLAC | $6K | $46 | $6K | — |
| WILLIAM JOHNSON & ASSOC LLC3 | 17276 VIOLET RUTH DR NE CEDAR SPRINGS, MI 49319 | AFLAC | $5K | $11 | $5K | — |
| MICHELLE MARIE WALLER3 | 8789 DICKERSON LAKE RD CEDAR SPRINGS, MI 48838 | AFLAC | $2K | $76 | $2K | — |
| EOWALTER3 LLC3 | PO BOX 150199 GRAND RAPIDS, MI 49515 | AFLAC | $2K | $6 | $2K | — |
| WILLIAM HAHN3 | 2419 GLEN VALLEY DR NW WALKER, MI 49544 | AFLAC | $2K | — | $2K | — |
| CHRISTINE E JOHNSON3 | 1755 INDIAN LAKES RD CEDAR SPRINGS, MI 49319 | AFLAC | $2K | — | $2K | — |
| RANDALL BENNETT3 | 14474 CROOKED TREE LN GRAND HAVEN, MI 49417 | AFLAC | $1K | — | $1K | — |
| CARLOS ESPINOZA3 | 154 STATE RD NEWAYGO, MI 49337 | AFLAC | $649 | — | $649 | — |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 431 | $1.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $154K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $17K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 431 | $1.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.