| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN J MCPHERSON3 | 244 N ROSE ST KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | $31K | $59K | 5.41% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE ST KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.37% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREE ADVISORS LLC | 244 N ROSE ST KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 5.85% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N ROSE STREET KALAMAZOO, MI 49007 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | $7K | — | $7K | 4.02% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N ROSE ST KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST 3RD FL BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $895 | — | $895 | 3.00% |
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 | 396 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 374 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | 325 | $170K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | 325 | $170K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $205K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $175K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $175K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 374 | $1.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.