| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 4.68% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 21.99% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 19.77% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | FIDELITY SECURITY LIFE INSURANCE (EYEMED VISION CARE) | $2K | $0 | $2K | 10.77% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $723 | $3K | 20.00% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $373 | $2K | 21.99% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 460 | $283K |
| Dental | DELTA DENTAL OF MICHIGAN | 476 | $191K |
| Vision | FIDELITY SECURITY LIFE INSURANCE (EYEMED VISION CARE) | 438 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $14K |
| Stop-loss / reinsurancereinsurance | PRIORITY HEALTH | 460 | $283K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.