| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN L CULHANE3 Filed as: SUSAN L. CULHANE | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | BLUE CARE NETWORK OF MICHIGAN | $40K | $0 | $40K | 1.73% |
| ELAINE C. COFFMAN3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $23K | $0 | $23K | 0.99% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, INC. | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.10% |
| SUSAN L CULHANE3 Filed as: SUSAN L. CULHANE | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $0 | $10K | 1.92% |
| ELAINE C. COFFMAN3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 0.93% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, INC. | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.25% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, INC. | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | HARTFORD LIFE AND ACCIDENT | $25K | $514 | $25K | 12.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 6.24% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 3.31% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, INC. | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 2.81% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.42% |
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 | 332 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 447 | $2.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 485 | $147K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 447 | $522K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 332 | $211K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 332 | $211K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 332 | $211K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 447 | $2.9M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 447 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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."
No prospect flags tripped on this filing.