| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN L CULHANE3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | BLUE CARE NETWORK OF MICHIGAN | $38K | — | $38K | 3.23% |
| SUSAN L CULHANE3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | — | $25K | 2.77% |
| SUSAN L CULHANE3 Filed as: SUSAN CULHANE | THE NULTY AGENCY,INC. 5579 STADIUM DR. KALAMAZOO, MI 49009 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.72% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| THE NULTY AGENCY INC.3 Filed as: NULTY INSURANCE | 5579 STADIUM KALAMAZOO, MI 49009 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $463 | — | $463 | 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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 218 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 338 | $121K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 341 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $33K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 218 | $2.1M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.