| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | — | ARDELLIS INUSRANCE LIMITED | $55K | — | $55K | 13.15% |
| GENERAL AGENCY COMPANY | EMILY BLACKBURN 525 E. BROADWAY STREET MT PLEASANT, MI 48858 | DELTA DENTAL OF MICHIGAN | — | $276 | $276 | 0.17% |
| GENERAL AGENCY COMPANY | 525 E BROADWAY STREET MT. PLEASANT, MI 48858 | VISION SERVICE PLAN | $4K | — | $4K | 9.21% |
| GENERAL AGENCY COMPANY Filed as: THE GENERAL AGENCY KAP LLC | 525 E. BROADWAY STREET MT. PLEASANT, MI 48858 | VISION SERVICE PLAN | $324 | — | $324 | 0.81% |
| GENERAL AGENCY COMPANY | 525 E. BROADWAY STREET MT PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 12.21% |
| BENEFIT PROFILES INC | 500 CASCADES WEST PKWY SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $751 | — | $751 | 5.49% |
| AGENT ALLIANCE CORPORATION | 500 CASCADES WEST PKWY SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $83 | — | $83 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $86K |
| GENERAL AGENCY COMPANY INSURANCE AGENT | Insurance agents and brokers Service code 22 | 525 E. BROADWAY STREET MT. PLEASANT, MI 48858 | $81K |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 566 | $159K |
| Vision | VISION SERVICE PLAN | 218 | $40K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 236 | $14K |
| Stop-loss / reinsurancereinsurance | ARDELLIS INUSRANCE LIMITED | 204 | $415K |
| Other | COMPANION LIFE INSURANCE COMPANY | 236 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.