| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN W SCHUEMANN3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $38K | $0 | $38K | 4.23% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $0 | $439 | $439 | 0.05% |
| JOHN W SCHUEMANN3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | $0 | $14K | 4.28% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $132 | $132 | 0.04% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 4.78% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $514 | $4K | 16.96% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | EYEMED VISION CARE | $2K | $0 | $2K | 10.85% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $273 | $2K | 13.47% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $933 | $146 | $1K | 68.95% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 143 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 203 | $67K |
| Vision | EYEMED VISION CARE | 200 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $12K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 143 | $1.2M |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.