| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN J MCPHERSON3 | 244 N ROSE ST KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $19K | $0 | $19K | 2.02% |
| JOHN W SCHUEMANN3 | 244 N ROSE ST KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $11K | $0 | $11K | 1.20% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $0 | $3K | $3K | 0.35% |
| KEVIN J MCPHERSON3 | 244 N ROSE ST KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 2.02% |
| JOHN W SCHUEMANN3 | 244 N ROSE ST KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 1.17% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.46% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.32% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 49007 | EYEMED VISION CARE | $2K | — | $2K | 10.84% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $704 | — | $704 | 10.00% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 144 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 203 | $68K |
| Vision | EYEMED VISION CARE | 197 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $21K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 144 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.