| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAQUEL PAULUS3 | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | PRIORITY HEALTH | $30K | $0 | $30K | 4.00% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCES SERVICES | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $448 | $6K | 9.74% |
| KIMBERLEE DIEL3 | 5841 DOVER LANE TRAVERSE CITY, MI 49685 | AFLAC | $185 | $81 | $266 | 5.10% |
| CHRISTOPHER J CHARLAND3 Filed as: CHRISTOPHER J. CHARLAND | 1004 LOCUST STREET TRAVERSE CITY, MI 49684 | AFLAC | $164 | $19 | $183 | 3.51% |
| MJ INSURANCE3 Filed as: JOHN W. POMEROY AND VARIOUS AGENTS | 8625 REDBARK PASS TRAVERSE CITY, MI 49684 | AFLAC | $97 | $0 | $97 | 1.86% |
| MATTHEW THOMAS NEMODE3 | 815 EAST MIDLAND STREET BAY CITY, MI 48706 | AFLAC | $49 | $19 | $68 | 1.30% |
| MARY K. MOONEY3 | 6300 SOUTH GOOD HARBOR TRAIL CEDAR, MI 49621 | AFLAC | $47 | $0 | $47 | 0.90% |
| MIELKE INSURANCE INC3 Filed as: MIELKE INSURANCE, INC. | PO BOX 26 CHARLEVOIX, MI 49720 | AFLAC | $32 | $0 | $32 | 0.61% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH ST. INS SVCS GREAT LAKES, INC. | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | AFLAC | $4 | $0 | $4 | 0.08% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 153 | $747K |
| Dental(2 contracts, 2 carriers) | AFLAC | 154 | $5K |
| Vision(2 contracts, 2 carriers) | AFLAC | 154 | $5K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $69K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $64K |
| Prescription drug | PRIORITY HEALTH | 153 | $747K |
| Other(3 contracts, 3 carriers) | PRIORITY HEALTH | 153 | $817K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.