| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60413 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $66K | $18K | $84K | 4.81% |
| KEYSER INSURANCE GROUP3 | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $52K | — | $52K | 3.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $79K | $11K | $89K | 8.64% |
| KEYSER INSURANCE GROUP3 | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $64K | — | $64K | 6.17% |
| CHRIS A. MINOR3 | 1019 EAST VINE STREET KALAMAZOO, MI 49001 | GERBER LIFE INSURANCE COMPANY | $926 | — | $926 | 15.01% |
| MINOR, I W3 | PO BOX 315 OSHTEMO, MI 49077 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | — |
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 | 7,464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 6,128 | $1.5M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 8,594 | $1.7M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,932 | $1.0M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 8,594 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,594 | — |
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.