| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN W SCHUEMANN3 | 244 NORTH ROSE STREET KALAMAZOO, MI 490073824 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $33K | — | $33K | 4.47% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 490079007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.17% |
| JOHN W SCHUEMANN3 | 244 NORTH ROSE STREET KALAMAZOO, MI 490073824 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 4.23% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 490079007 | BLUE CARE NETWORK OF MICHIGAN | — | $365 | $365 | 0.12% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD | $2K | — | $2K | 8.25% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | VISION SERVICE PLAN | $816 | — | $816 | 6.98% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD | $626 | — | $626 | 11.00% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD | $329 | — | $329 | 14.98% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD | $112 | — | $112 | 15.05% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 178 | $1.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 178 | $742K |
| Vision | VISION SERVICE PLAN | 107 | $12K |
| Life insurance | RELIANCE STANDARD | 162 | $23K |
| Short-term disability | RELIANCE STANDARD | 8 | $6K |
| Long-term disability | RELIANCE STANDARD | 8 | $2K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 178 | $1.0M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD | 340 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.