| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | P.O. BOX 6392 GRAND RAPIDS, MI 49516 | ARDELLIS INSURANCE LTD | $98K | — | $98K | 17.98% |
| ALBERT MITCHELL3 | 8410 OAKSHADE DR DAVISON, MI 48423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 4.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 480678067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $924 | $924 | 0.40% |
| CAMERON M KENNEDY3 Filed as: CAMERON KENNEDY | NFP 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 2.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 14.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.03% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $86 | $86 | 0.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | EYEMED VISION CARE | $3K | — | $3K | 10.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $4K | $691 | $4K | 19.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $3K | $368 | $4K | 18.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $3K | $559 | $4K | 19.49% |
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 | 2,878 | 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) | 2,878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 52 | $228K |
| Dental | DELTA DENTAL OF MICHIGAN | 658 | $194K |
| Vision | EYEMED VISION CARE | 563 | $35K |
| Life insurance(4 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 455 | $28K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 128 | $69K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 138 | $39K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 52 | $228K |
| Stop-loss / reinsurancereinsurance | ARDELLIS INSURANCE LTD | 327 | $546K |
| Other(8 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 455 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.