| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGAN MCCULLOUGH3 | 1901 ROXBOROUGH RD. CHARLOTTE, NC 28211 | PRIORITY HEALTH | $33K | — | $33K | 1.50% |
| MICHELLE R. STOUFFER3 Filed as: MICHELLE STOUFFER | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $16K | — | $16K | 0.76% |
| JEFF LAYMAN3 | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | PRIORITY HEALTH | $16K | — | $16K | 0.75% |
| MEGAN MCCULLOUGH3 | 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | PRIORITY HEALTH INSURANCE COMPANY | $11K | — | $11K | 1.48% |
| MICHELLE R. STOUFFER3 Filed as: MICHELLE STOUFFER | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $6K | — | $6K | 0.77% |
| JEFF LAYMAN3 | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | PRIORITY HEALTH INSURANCE COMPANY | $6K | — | $6K | 0.75% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 1.74% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 140 MONROE CENTER ST. NW #200 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 0.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 0.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD. STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.76% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE RD. NW STE 1650 ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.46% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.22% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPID, MI 49503 | HARTFORD LIFE AND ACCIDENT | $188 | $16 | $204 | 16.32% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 50 LOUIS ST. NW STE 510 GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | $188 | — | $188 | 15.04% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 442 | $2.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 553 | $220K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $160K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $160K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $160K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $160K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 442 | $2.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.