| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N ROSE ST KALAMAZOO, MI 49007 | AETNA LIFE INSURANCE COMPANY | $68K | — | $68K | 11.11% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.54% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.82% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N ROSE STREET KALAMAZOO, MI 49007 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 17.01% |
| INCOME REPLACEMENT AGENCY3 | 34119 W 12 MILE ROAD SUITE 330 FARMINGTON HILLS, MI 48331 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.08% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.47% |
| AGIS NETWORK INC3 | 2122 KRATKY ROAD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.38% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $122 | — | $122 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $313K |
| MAXWELL HEALTH EIN 26-4312923 PLAN ADMINISTRATION | Participant communication Service code 38 | — | $7K |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 157 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 11 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 128 | $15K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $152K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $93K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 602 | $608K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.