| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE R. STOUFFER3 | 140 MONROE CENTER STREET NE SUITE 20 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $37K | $0 | $37K | 1.07% |
| BRUCE J. WALDECKER3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CARE NETWORK OF MICHIGAN | $10K | $0 | $10K | 0.30% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $7K | $44K | 17.25% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.46% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MICHIGAN, LLC | PO BOX 510187 NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $12 | $26K | 10.25% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 579 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 629 | $254K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 629 | $254K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $257K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $257K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 579 | $3.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.