| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHANNON J. ENDERS3 Filed as: SHANNON J ENDERS | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | PRIORITY HEALTH | $24K | — | $24K | 4.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | METROPOLITAN INSURANCE COMPANY | $2K | — | $2K | 13.67% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | METROPOLITAN INSURANCE COMPANY | $537 | — | $537 | 4.17% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | NATIONWIDE LIFE INSURANCE COMPANY | $1K | — | $1K | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $7K |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 138 | $607K |
| Vision | NATIONWIDE LIFE INSURANCE COMPANY | 59 | $7K |
| Life insurance | METROPOLITAN INSURANCE COMPANY | 229 | $13K |
| Other | METROPOLITAN INSURANCE COMPANY | 229 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.