| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAUSCHERT, STEPHEN L | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | PRIORITY HEALTH | $35K | — | $35K | 4.00% |
| THE LEAD AGENCY LLC Filed as: THE LEAD AGENCY - SHANNON ENDERS | 5797 HARVEY ST STE A NORTON SHORES, MI 49444 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.75% |
| RAUSCHERT, STEPHEN L Filed as: RAUSCHERT STEPHEN L - 94874S | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | — | $4K | 14.81% |
| THE LEAD AGENCY LLC | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | VISION SERVICE PLAN | $4K | — | $4K | 19.95% |
| EMPLOYEE NAVIGATOR, LLC Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $106 | — | $106 | 0.50% |
| RAUSCHERT, STEPHEN L Filed as: RAUSCHERT STEPHEN L - 94874S | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 19.68% |
| RAUSCHERT, STEPHEN L Filed as: RAUSCHERT STEPHEN L - 94874S | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | KANSAS CITY LIFE INSURANCE COMPANY | $528 | — | $528 | 14.79% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 178 | $878K |
| Dental | DELTA DENTAL OF MICHIGAN | 177 | $65K |
| Vision | VISION SERVICE PLAN | 62 | $21K |
| Life insurance(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 112 | $16K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 112 | $30K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 112 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.