| 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 | $27K | — | $27K | 3.15% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 490079007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.19% |
| JOHN W SCHUEMANN3 | 244 NORTH ROSE STREET KALAMAZOO, MI 490073824 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 2.96% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 490079007 | BLUE CARE NETWORK OF MICHIGAN | — | $613 | $613 | 0.10% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD | $2K | — | $2K | 8.16% |
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 | 340 | 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) | 340 | 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 | 202 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 202 | $868K |
| Life insurance | RELIANCE STANDARD | 212 | $24K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 202 | $1.5M |
| Other(2 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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.