| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENERAL AGENCY COMPANY3 Filed as: GENERAL AGENCY KAP LLC | EMILY BLACKBURN 525 E BROADWAY ST. MOUNT PLEASANT, MI 48858 | DELTA DENTAL OF MICHIGAN | $0 | $281 | $281 | 0.16% |
| GENERAL AGENCY COMPANY | 525 E BROADWAY ST MOUNT PLEASANT, MI 48858 | VISION SERVICE PLAN | $4K | — | $4K | 9.99% |
| GENERAL AGENCY COMPANY Filed as: THE GENERAL AGENCY KAP LLC | 525 E BROADWAY ST MOUNT PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 12.86% |
| BENEFIT PROFILES INC | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $736 | — | $736 | 5.86% |
| AGENT ALLIANCE CORPORATION | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | -$8 | — | -$8 | -0.06% |
| GENERAL AGENCY COMPANY | 525 E BROADWAY ST MOUNT PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | -$157 | — | -$157 | -1.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $146K |
| GENERAL AGENCY COMPANY INSURANCE AGENT | Insurance agents and brokers Service code 22 | 525 E. BROADWAY STREET MT. PLEASANT, MI 48858 | $79K |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY (FORMERLY TOKIO MARINE HCC) | 222 | $17K |
| Dental | DELTA DENTAL OF MICHIGAN | 598 | $175K |
| Vision | VISION SERVICE PLAN | 229 | $41K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 240 | $13K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 218 | $598K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 216 | $351K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY (FORMERLY TOKIO MARINE HCC) | 240 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.