| 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 | — | $21K | $21K | 11.00% |
| JFP BENEFIT MANAGEMENT INC3 Filed as: JFP BENEFIT MANAGEMENT | PO BOX 189 JACKSON, MI 49204 | UNITED STATES FIRE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| UNITED STATES FIRE INSURANCE COMPAN3 | 305 MADISON AVE MORRISTOWN, NJ 07960 | UNITED STATES FIRE INSURANCE COMPANY | — | $12K | $12K | 6.50% |
| EXCESS RISK SOLUTIONS3 | 1523 DALE MABRY HWY #102 LUTZ, FL 33548 | UNITED STATES FIRE INSURANCE COMPANY | — | $10K | $10K | 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 INSURANCE COMPANY OF AMERICA | $673 | — | $673 | 2.89% |
| JFP BENEFIT MANAGEMENT INC3 | 100 SOUTH JACKSON STE 200 JACKSON, MI 49204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $381 | — | $381 | 2.05% |
| JFP BENEFIT MANAGEMENT INC3 | 100 S JACKSON STE 200 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| JFP BENEFIT MANAGEMENT INC3 Filed as: JFP BENEFIT MANAGEMENT, INC | 100 SOUTH JACKSON SUITE 200 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $833 | — | $833 | 10.00% |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED STATES FIRE INSURANCE COMPANY | 222 | $190K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $24K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 48 | $19K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 222 | $190K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.