| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH AGNELLO3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PRIORITY HEALTH | $66K | — | $66K | 2.02% |
| RYAN QUILLAN3 Filed as: RYAN CZARNECKI | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $680 | — | $680 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MICHIGAN | 325 N OLD WOODWARD AVE, STE 370 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81K | — | $81K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MICHIGAN | 325 N OLD WOODWARD AVE, STE 370 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | EYE MED VISION CARE | $4K | — | $4K | 10.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MICHIGAN | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.91% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N, STE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MICHIGAN | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $587 | — | $587 | 16.86% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N, STE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | — | $87 | 2.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $17K |
| LOCKTON COMPANIES, LLC AGENT/AGENCY | Insurance agents and brokers Service code 22 | 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | $5K |
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 | 675 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 675 | $3.3M |
| Vision | EYE MED VISION CARE | 661 | $36K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $882K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $812K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $812K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $903K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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.