| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 460 ADA DRIVE SE, SUITE 222 ADA, MI 49301 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $1K | $20K | 5.50% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 2.95% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.02% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP | 460 ADA DRIVE SE, SUITE 222 ADA, MI 49301 | DELTA DENTAL | $2K | $0 | $2K | 1.25% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 528 4TH STREET NW GRAND RAPIDS, MI 49504 | DELTA DENTAL | $995 | $0 | $995 | 0.77% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL | $950 | $0 | $950 | 0.73% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 528 4TH STREET NW GRAND RAPIDS, MI 49504 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.17% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 460 ADA DRIVE SE, SUITE 222 ADA, MI 49301 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | $956 | $0 | $956 | 3.32% |
| HYLANT GROUP INC3 | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | $697 | $0 | $697 | 2.42% |
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 | 339 | 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) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 587 | $130K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | 467 | $29K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 507 | $366K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 507 | $366K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 507 | $366K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 507 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.