| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $3K | $44K | 5.53% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY, SUITE 40 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $16 | $13K | 1.57% |
| ELAINE C. COFFMAN3 Filed as: ELAINE C COFFMAN | 660 WOODWARD AVENUE DETROIT, MI 48226 | PRIORITY HEALTH | $21K | — | $21K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $63K | — | $63K | 9.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $251 | $3K | 7.20% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | $653 | $16 | $669 | 1.68% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $150 | $1K | 6.72% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | $254 | $16 | $270 | 1.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $92 | $130 | $222 | 1.45% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $910 | $144 | $1K | 6.93% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | $228 | $16 | $244 | 1.60% |
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 | 974 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | PRIORITY HEALTH | 462 | $771K |
| Dental | DELTA DENTAL OF MICHIGAN | 2,018 | $683K |
| Vision | EYEMED VISION CARE | 837 | $31K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,678 | $819K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,678 | $803K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,678 | $803K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,678 | $821K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,018 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.