| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN L CULHANE3 Filed as: SUSAN CULHANE | 5579 STADIUM DR KALAMAZOO, MI 49009 | PRIORITY HEALTH | $9K | — | $9K | 3.00% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.60% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 49009 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.11% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.68% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.15% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 49009 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.46% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DR KALAMAZOO, MI 49009 | STANDARD INSURANCE COMPANY | $251 | — | $251 | 2.17% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | STANDARD INSURANCE COMPANY | $671 | — | $671 | 9.77% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | STANDARD INSURANCE COMPANY | $135 | — | $135 | 2.72% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 208 | $305K |
| Dental(2 contracts) | STANDARD INSURANCE COMPANY | 122 | $110K |
| Vision(2 contracts) | STANDARD INSURANCE COMPANY | 117 | $17K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 184 | $21K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 184 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
No prospect flags tripped on this filing.