| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA CLINE3 | PO BOX 50631 KALAMAZOO, MI 49005 | PRIORITY HEALTH | $62K | — | $62K | 3.00% |
| PATRICIA CLINE3 | PO BOX 50631 KALAMAZOO, MI 49005 | PRIORITY HEALTH INSURANCE COMPANY | $6K | — | $6K | 3.00% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC DBA | KEYSER INS GROUP-PATRICIA CLINE 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 4.71% |
| CHRISTOPHER T FISHER LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 9.95% |
| CHRISTOPHER T FISHER LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 9.77% |
| CHRISTOPHER T FISHER LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $11K | 15.64% |
| CHRISTOPHER T FISHER LLC3 | DBA KEYSER INSURANCE GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | VISION SERVICE PLAN | $2K | — | $2K | 4.34% |
| CHRISTOPHER T FISHER LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.07% |
| CHRISTOPHER T FISHER LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.93% |
| CHRISTOPHER T FISHER LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.86% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 630 | $2.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 506 | $161K |
| Vision | VISION SERVICE PLAN | 209 | $35K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $104K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $100K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.