| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NULTY AGENCY INC.3 Filed as: NULTY INSURANCE AGENCY | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | HM LIFE INSURANCE | $3K | $0 | $3K | 1.00% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | DELTA DENTAL | $17K | $0 | $17K | 9.86% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 21.73% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | FIDELITY SECURITY LIFE INSURANCE (EYEMED VISION CARE) | $2K | $0 | $2K | 9.15% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $684 | $3K | 19.73% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $353 | $2K | 21.73% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HM LIFE INSURANCE | 178 | $268K |
| Dental | DELTA DENTAL | 428 | $171K |
| Vision | FIDELITY SECURITY LIFE INSURANCE (EYEMED VISION CARE) | 391 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $14K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE | 178 | $268K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.