| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN W SCHUEMANN3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | $36K | $54K | 6.25% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.28% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $5K | $8K | 4.05% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 1.61% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.77% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 7.14% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.41% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | AMERITAS LIFE INSURANCE CORPORATION | $503 | — | $503 | 1.42% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $283 | $59 | $342 | 18.10% |
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 | 419 | 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) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 419 | $867K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 378 | $200K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 334 | $36K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 483 | $91K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 483 | $203K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 482 | $69K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 419 | $867K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 483 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
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.