| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY ST. MT. PLEASANT, MI 48858 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 3.85% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE RD SE SUITE 106 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 1.92% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY MT. PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $10K | — | $10K | 8.91% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD, SE STE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 4.45% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY MT. PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD, SE SUITE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
| GENERAL AGENCY COMPANY3 | 525 E. BROADWAY ST MT. PLEASANT, MI 48858 | VISION SERVICE PLAN | $2K | — | $2K | 3.65% |
| GENERAL AGENCY COMPANY3 | 525 EAST BROADWAY MT PLEASANT, MI 48858 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 17.49% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD SE SUITE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 8.74% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 609 | $180K |
| Vision | VISION SERVICE PLAN | 260 | $52K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 453 | $101K |
| Short-term disability(4 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 453 | $209K |
| Long-term disability(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 428 | $192K |
| Other | AFLAC | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.