| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN L CULHANE3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | BLUE CARE NETWORK OF MICHIGAN | $47K | — | $47K | 3.70% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 490091929 | BLUE CARE NETWORK OF MICHIGAN | — | $6K | $6K | 0.45% |
| SUSAN L CULHANE3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $48K | — | $48K | 4.92% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 490091929 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.42% |
| SUSAN L CULHANE3 Filed as: SUSAN CULHANE | THE NULTY AGENCY,INC. 5579 STADIUM DR KALAMAZOO, MI 49009 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.66% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY LLC | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.12% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.92% |
| THE NULTY AGENCY INC.3 Filed as: NULTY INSURANCE | 5579 STADIUM DR KALAMAZOO, MI 49009 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.76% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH LLC (GA) | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $638 | — | $638 | 2.76% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, LLC | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $510 | — | $510 | 10.01% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $278 | $278 | 5.45% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $255 | $255 | 5.00% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 234 | $2.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 381 | $130K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 201 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $40K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 234 | $2.2M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.