| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JFP BENEFIT MANAGEMENT INC3 Filed as: JFP BENEFIT MANAGEMENT | PO BOX 189 JACKSON, MI 49204 | FIDELITY SECURITY LIFE INS CO | $19K | — | $19K | 10.00% |
| DHR MANAGEMENT, LLC3 | 701 WHITE HORSE RD STE 3 VOOHEES, NJ 08043 | FIDELITY SECURITY LIFE INS CO | — | $19K | $19K | 10.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: FIDELITY SECURITY LIFE INSURACE COM | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INS CO | — | $12K | $12K | 6.50% |
| EXCESS RISK SOLUTIONS3 | 1523 DALE MABRY HWY #102 LUTZ, FL 33548 | FIDELITY SECURITY LIFE INS CO | — | $9K | $9K | 5.00% |
| D.W. VAN DYKE & CO., INC.3 | 2 CORPORATE DRIVE STE 642 SHELTON, CT 06484 | FIDELITY SECURITY LIFE INS CO | — | $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 | $551 | — | $551 | 3.12% |
| JFP BENEFIT MANAGEMENT INC3 | 100 SOUTH JACKSON STE 200 JACKSON, MI 49204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $299 | — | $299 | 2.26% |
| JFP BENEFIT MANAGEMENT INC3 | 100 S JACKSON STE 200 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.43% |
| JFP BENEFIT MANAGEMENT INC3 Filed as: JFP BENEFIT MANAGEMENT, INC | 100 SOUTH JACKSON SUITE 200 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $805 | — | $805 | 10.01% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE INS CO | 138 | $186K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $20K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 39 | $13K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INS CO | 138 | $186K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $18K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.