| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA L CLINE Filed as: PATRICIA KLINE | PO BOX 50631 KALAMAZOO, MI 49005 | PRIORITY HEALTH | $68K | — | $68K | 2.96% |
| CHRISTOPHER T FISHER LLC | 444 W. MICHIGAN AVE PO BOX 50631 KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 7.10% |
| PATRICIA L CLINE Filed as: PATRICIA KLINE | PO BOX 50631 KALAMAZOO, MI 49005 | PRIORITY HEALTH | $6K | — | $6K | 2.97% |
| CHRISTOPHER T FISHER LLC3 | 444 W. MICHIGAN AVE. KALAMAZOO, MI 49007 | DELTA DENTAL | $10K | — | $10K | 5.67% |
| CHRISTOPHER T FISHER LLC | 444 W. MICHIGAN AVE. KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $367 | $8K | 15.75% |
| CHRISTOPHER T FISHER LLC | 444 W. MICHIGAN AVE. KALAMAZOO, MI 49007 | VISION SERVICE PLAN | $2K | — | $2K | 4.25% |
| CHRISTOPHER T FISHER LLC Filed as: CHRISTOPHER T FISHER | 444 W. MICHIGAN AVE. KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $56 | $7K | 28.84% |
| SMITH, THOMAS, CHRISTOPHER | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $388 | $4K | 13.79% |
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 | 285 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH | 651 | $2.5M |
| Dental | DELTA DENTAL | 485 | $169K |
| Vision | VISION SERVICE PLAN | 216 | $37K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $49K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $25K |
| Prescription drug(2 contracts) | PRIORITY HEALTH | 651 | $2.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.