| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLBBROOK INSURANCE GROUP, LLC3 | 45 COLDBROOK STREET NW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $0 | — | $0 | 0.00% |
| COLDBROOK INSURANCE GROUP3 Filed as: COLDBROOK INSURANCE GROUP, LLC | 45 COLDBROOK STREET NW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 4.14% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK STREET NW GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $0 | $0 | $0 | 0.00% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 368 | $116K |
| Vision | EYEMED VISION CARE | 374 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 150 | $105K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 150 | $105K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 150 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
No prospect flags tripped on this filing.