| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER LLC | 151 E. MICHIGAN AVENUE KALAMAZOO, MI 49007 | MCLAREN HEALTH | $48K | — | $48K | 3.90% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER LLC | P.O. BOX 50631 KALAMAZOO, MI 49005 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 2.97% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER LLC | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.48% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER LLC | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER LLC | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER LLC | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $738 | — | $738 | 12.96% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCLAREN HEALTH | 173 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 187 | $113K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 187 | $113K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $24K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $29K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $45K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
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.