| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | HCC LIFE INSURANCE COMPANY | — | $32K | $32K | 7.10% |
| AUXIANT3 | 424 FIRST AVENUE NORTHEAST CEDAR RAPIDS, IA 52401 | HCC LIFE INSURANCE COMPANY | $8K | — | $8K | 1.72% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $713 | $10K | 16.19% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $420 | $6K | 16.19% |
| ROSE STREET ADVISORS LLC Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $461 | $6K | 16.35% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | VISION SERVICE PLAN | $850 | — | $850 | 6.63% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $921 | $37 | $958 | 15.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROSE STREET ADVISORS, LLC AGENT | Non-monetary compensation; Other fees; Insurance agents and brokers Service code 22 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | $54K |
| AUXIANT BROKER | Insurance services; Other fees; Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | 1077 W. RESEARCH DRIVE, SUITE 120 MILWAUKEE, WI 53226 | $8K |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 108 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $59K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $35K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 108 | $446K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.