| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN L CULHANE3 | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $67K | — | $67K | 3.15% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 49009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $12K | $12K | 0.56% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, LLC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.95% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.98% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, LLC | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.95% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.97% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, LLC | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.95% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MA 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $980 | $980 | 4.98% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | HARTFORD LIFE AND ACCIDENT | $0 | $300 | $300 | 3.49% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, LLC | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $687 | — | $687 | 9.96% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $343 | $343 | 4.97% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 418 | $2.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 418 | $2.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 418 | $2.1M |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,375 | $35K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,375 | $64K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,375 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 418 | $2.1M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,375 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,375 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.