| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, INC. | 5579 STADIUM DR. KALAMAZOO, MI 49009 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 3.22% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DR KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $14K | 10.69% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY | 5579 STADIUM DR KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 8.40% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DR. KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 8.65% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY, INC. | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | EYEMED VISION CARE | $6K | — | $6K | 9.76% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY INC | 5579 STADIUM DR. KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $318 | $318 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMP EIN 47-0322111 ADMINISTRATIVE SERVICES | Direct payment from the plan; Plan Administrator Service code 14 | — | $13K |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 893 | $322K |
| Vision | EYEMED VISION CARE | 884 | $60K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $74K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 893 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.