| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRICOAST ADVISORS LLC3 | UNKNOWN GRAND RAPIDS, MI 49525 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | UNKNOWN GRAND RAPIDS, MI 49525 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.14% |
| BENEFITS PROFILES INC3 | UNKNOWN GRAND RAPIDS, MI 49525 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.39% |
| AMERICAN UNITED LIFE3 | UNKNOWN GRAND RAPIDS, MI 49525 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $8 | $8 | 0.01% |
| TRICOAST ADVISORS LLC3 | 140 MONROE CENTER STREET, NW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 5.66% |
| BENEFITS PROFILES INC3 | 500 CASCADE WEST PARKWAY GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | $126 | $2K | 3.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15191 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $288 | $0 | $288 | 0.54% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS STREET NE, SUITE 510 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $754 | $0 | $754 | 10.14% |
| BENEFITS PROFILES INC3 | 500 CASCADE ROAD, SUITE 160 GRAND RAPIDS, MI 49546 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $312 | $0 | $312 | 4.20% |
| BENEFITS PROFILES INC3 | 3358 EAGLE RUN DRIVE, NE 3 I GRAND RAPIDS, MI 49525 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $65 | $0 | $65 | 0.87% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 124 | $588K |
| Dental | DELTA DENTAL OF MICHIGAN | 137 | $53K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 103 | $7K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $62K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $62K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $62K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 124 | $588K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.