| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST RISK UNDERWRITERS, LLC3 | 7851 METRO PKWY, STE 300 BLOOMINGTON, MN 55425 | UNITED STATES FIRE INSURANCE COMPANY | — | $23K | $23K | 11.00% |
| JFP BENEFIT MANAGEMENT INC3 Filed as: JFP BENEFIT MANAGEMENT | PO BOX 189 JACKSON, MI 49204 | UNITED STATES FIRE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| UNITED STATES FIRE INSURANCE COMPAN3 | 305 MADISON AVE MORRISTOWN, NJ 07960 | UNITED STATES FIRE INSURANCE COMPANY | — | $14K | $14K | 6.50% |
| EXCESS RISK SOLUTIONS3 | 19122 CHEMILLE DR LUTZ, FL 33558 | UNITED STATES FIRE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| RE-SOULTIONS INTERMEDIARIES, LLC3 | 10 SOUTH 5TH ST #1108 MINNEAPOLIS, MN 55402 | UNITED STATES FIRE INSURANCE COMPANY | — | $2K | $2K | 1.00% |
| JFP BENEFIT MANAGEMENT INC3 Filed as: JFP BENEFIT MANAGEMENT, INC | 100 SOUTH JACKSON STE 200 JACKSON, MI 492040000 | UNUM LIFE INSURABCE COMPANY OF AMERICA | $7K | — | $7K | 12.22% |
| JFP BENEFIT MANAGEMENT INC3 | 100 S JACKSON STE 200 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.54% |
| JFP BENEFIT MANAGEMENT INC3 Filed as: JFP BENEFIT MANAGEMENT, INC | 100 SOUTH JACKSON SUITE 200 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $812 | — | $812 | 9.99% |
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 | 226 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED STATES FIRE INSURANCE COMPANY | 221 | $213K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURABCE COMPANY OF AMERICA | 225 | $83K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURABCE COMPANY OF AMERICA | 225 | $83K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 221 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.