| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA L CLINE3 | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 490073714 | BLUE CARE NETWORK OF MICHIGAN | $44K | $2 | $44K | 4.11% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 480942205 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.14% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T FISHER, LLC | DBA KEYSER INSURANCE GROUP 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.30% |
| CHRISTOPHER T FISHER LLC3 | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 490073714 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CHRISTOPHER T FISHER LLC3 | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 490073714 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.70% |
| CHRISTOPHER T FISHER LLC3 | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 490073714 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CHRISTOPHER T FISHER LLC3 | 2184 COMMONS PARKWAY OKEMOS, MI 48864 | STANDARD INSURANCE COMPANY | $900 | — | $900 | 7.20% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 249 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 282 | $91K |
| Vision | STANDARD INSURANCE COMPANY | 75 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $16K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 249 | $1.1M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.