| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | P.O. BOX 6392 GRAND RAPIDS, MI 49516 | ARDELLIS INSURANCE LTD | $96K | — | $96K | 17.97% |
| ALBERT MITCHELL3 Filed as: ALBERT C. MITCHELL | NFP 8410 OAKSHADE DR DAVISON, MI 48423 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 4.47% |
| CAMERON M KENNEDY3 Filed as: CAMERON KENNEDY | NFP 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 26.66% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $61 | $61 | 0.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | EYEMED VISION CARE | $4K | — | $4K | 9.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $3K | $681 | $4K | 18.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $3K | $415 | $3K | 17.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $3K | $592 | $4K | 18.04% |
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 | 2,899 | 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) | 2,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 81 | $317K |
| Dental | DELTA DENTAL OF MICHIGAN | 672 | $188K |
| Vision | EYEMED VISION CARE | 583 | $36K |
| Life insurance(4 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 395 | $24K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 117 | $52K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 126 | $29K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 81 | $317K |
| Stop-loss / reinsurancereinsurance | ARDELLIS INSURANCE LTD | 337 | $532K |
| Other(8 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 395 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.