| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RXBENEFITS, INC.3 | 3500 BLUE LAKE DRIVE, STE 200 BIRMINGHAM, AL 35243 | RX BENEFITS INC. | — | $911 | $911 | 0.68% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR & ASSOC | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.22% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.75% |
| WRIGHT & ASSOCIATES INSURANCE GROUP3 | 401 W FRONT STREET TRAVERSE CITY, MI 496842259 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON-MCGREGOR & ASSOC. | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 65 E JACKSON BLVD CHICAGO, IL 606044101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $423 | — | $423 | 1.10% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON, MCGREGOR & ASSOCIATES | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 496868640 | VISION SERVICE PLAN | $988 | — | $988 | 5.91% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 179 | $194K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $45K |
| Vision | VISION SERVICE PLAN | 101 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $39K |
| Prescription drug | RX BENEFITS INC. | 107 | $134K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.