| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.44% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.81% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N ROSE STREET KALAMAZOO, MI 49007 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 21.49% |
| INCOME REPLACEMENT AGENCY3 | 34119 W 12 MILE ROAD SUITE 330 FARMINGTON HILLS, MI 48331 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.87% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.00% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $77 | — | $77 | 14.89% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 NORTH ROSE ST KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51 | — | $51 | 10.90% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 154 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 19 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 158 | $24K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 384 | $201K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $124K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 638 | $927K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 384 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.