| 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 | $23K | — | $23K | 4.39% |
| SHANNON J. ENDERS3 Filed as: SHANNON J ENDERS | 5797 HARVEY ST STE A MUSKEGON, MI 494447866 | DELTA DENTAL OF MICHIGAN | $2K | $85 | $2K | 9.20% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | NATIONWIDE LIFE INSURANCE COMPANY | $839 | — | $839 | 14.97% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $660 | — | $660 | 20.01% |
| THE LEAD AGENCY LLC3 Filed as: THE LEAD AGENCY | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $399 | — | $399 | 14.98% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | METROPOLITAN INSURANCE COMPANY | $158 | — | $158 | — |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | METROPOLITAN INSURANCE COMPANY | $54 | — | $54 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $5K |
| THE LEAD AGENCY, LLC DBA LAKESHORE AGENT/AGENCY | Insurance agents and brokers Service code 22 | 5797 HARVEY STREET, STE A NORTON SHORES, MI 494447866 | $2K |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 136 | $525K |
| Dental | DELTA DENTAL OF MICHIGAN | 142 | $23K |
| Vision(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 61 | $8K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9 | $3K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.