| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | BLUECROSS BLUESHIELD OF ILLINOIS | $79K | — | $79K | 3.97% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 6.85% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | VISION SERVICE PLAN | $1K | — | $1K | 5.66% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | PO BOX 219641 KANSAS CITY, MO 64121 | VISION SERVICE PLAN | $672 | — | $672 | 3.21% |
| EMPLOYEE NAVIGATOR, LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $25 | — | $25 | 0.12% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $243 | $243 | 2.34% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $830 | — | $830 | 10.00% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $155 | $155 | 1.87% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 19.99% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $131 | $131 | 1.81% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $717 | — | $717 | 10.00% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $185 | $185 | 2.58% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $502 | — | $502 | 9.99% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $121 | $121 | 2.41% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 233 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $83K |
| Vision | VISION SERVICE PLAN | 127 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $15K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.