| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | DELTA DENTAL OF MICHIGAN | $11K | $704 | $12K | 3.18% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $18K | $40K | 11.62% |
| BLUE CROSS BLUE SHIELD OF FLORIDA0 Filed as: BLUE CROSS BLUE SHIELD MICHIGAN | 600 EAST LAFAYETTE BLVD MC 1002 DETROIT, MI 48226 | FOUR EVER LIFE INSURANCE CO. | — | $181 | $181 | 4.01% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 991 | $363K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 565 | $343K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 565 | $343K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 565 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 991 | — |
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.