| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA CLINE3 | PO BOX 50631 KALAMAZOO, MI 49005 | PRIORITY HEALTH | $29K | — | $29K | 3.46% |
| PATRICIA CLINE3 | PO BOX 50631 KALAMAZOO, MI 49005 | PRIORITY HEALTH | $27K | — | $27K | 3.40% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GRP | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.44% |
| CHRISTOPHER T FISHER LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.32% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GRP | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $705 | $668 | $1K | 11.72% |
| CHRISTOPHER T FISHER LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $467 | — | $467 | 3.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BNFTS SVCS DBA VARIPRO EIN 38-3036973 TPA | Contract Administrator; Claims processing; Custodial (other than securities); Other services Service code 12 | 5300 PATTERSON AVE SE-150 GRAND RAPIDS, MI 49512 | $15K |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH | 192 | $1.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $12K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.