| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBRA VANSWEDEN3 Filed as: DEBRA WRIGHT | 50 LOUIS STREET SW, SUITE 510 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $23K | $0 | $23K | 3.98% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 140 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | $0 | $10K | 16.61% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PARKWAY, SUITE 160 GRAND RAPIDS, MI 49546 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.95% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 140 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 3.46% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PARKWAY, SUITE 160 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 2.77% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MICHIGAN, LLC | 16805 WEST CLEAVELAND AVENUE NEW BERLIN, WI 53151 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 2.32% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 50 LOUIS STREET NE, SUITE 510 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $486 | $0 | $486 | 5.37% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE ROAD, SUITE 160 GRAND RAPIDS, MI 49546 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $414 | $0 | $414 | 4.58% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET NW GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $343 | $0 | $343 | 3.79% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 121 | $587K |
| Dental | DELTA DENTAL OF MICHIGAN | 130 | $52K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 113 | $9K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 146 | $60K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 146 | $60K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 146 | $60K |
| Prescription drug | PRIORITY HEALTH | 121 | $587K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 146 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.