| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $32K | $35K | 3.16% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 8.21% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | EYEMED VISION CARE | $1K | — | $1K | 9.97% |
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 | 262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 262 | $1.1M |
| Vision | EYEMED VISION CARE | 194 | $14K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 125 | $33K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 125 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.