| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE STREET KALAMAZOO, MI 490073887 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $28K | $28K | 3.34% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE STREET KALAMAZOO, MI 490073887 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 3.09% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE STREET KALAMAZOO, MI 490073887 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.79% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE STREET KALAMAZOO, MI 49007 | LINCOLN NATIONAL LIFE INSURANCE | $3K | — | $3K | 5.88% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE STREET KALAMAZOO, MI 49007 | LINCOLN NATIONAL LIFE INSURANCE | $5K | — | $5K | 15.00% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE STREET KALAMAZOO, MI 49007 | EYEMED VISION CARE | $1K | — | $1K | 10.02% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE STREET KALAMAZOO, MI 49007 | LINCOLN NATIONAL LIFE INSURANCE | $1K | — | $1K | 12.27% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 107 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 173 | $66K |
| Vision | EYEMED VISION CARE | 167 | $14K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE | 140 | $41K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE | 129 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.