| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN L CULHANE3 | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $58K | — | $58K | 3.11% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.10% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.14% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.19% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.81% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $875 | — | $875 | 3.19% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $824 | $824 | 3.00% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.76% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $589 | — | $589 | 3.23% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $547 | $547 | 3.00% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.05% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $789 | — | $789 | 4.94% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $479 | $479 | 3.00% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DR PO BOX 19218 KALAMAZOO, MI 49019 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $487 | $8 | $495 | 15.25% |
| LIFETIME FINANCIAL GROWTH OF M3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.31% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 351 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 351 | $1.9M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 351 | $1.9M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $34K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $27K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 351 | $1.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.