| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN L CULHANE3 Filed as: SUSAN CULHANE | 5579 STADIUM DIVE KALAMAZOO, MI 490091929 | PRIORITY HEALTH | $32K | — | $32K | 3.04% |
| SUSAN L CULHANE3 Filed as: SUSAN CULHANE | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | PRIORITY HEALTH INSURANCE COMPANY | $27K | — | $27K | 3.00% |
| SUSAN L CULHANE3 Filed as: SUSAN CULHANE | THE NULTY AGENCY,INC. 5579 STADIUM DR. KALAMAZOO, MI 49009 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 4.73% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $8K | 18.98% |
| THE NULTY AGENCY INC.3 Filed as: NULTY INSURANCE | 5579 STADIUM KALAMAZOO, MI 49009 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $468 | $226 | $694 | 14.84% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 199 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 306 | $111K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 163 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $45K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 199 | $2.0M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.