| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAUSCHERT, STEPHEN L | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | PRIORITY HEALTH | $33K | — | $33K | 4.00% |
| SHANNON J. ENDERS Filed as: SHANNON ENDERS | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | DELTA DENTAL OF MICHIGAN 1B EIN | $3K | — | $3K | 4.41% |
| RAUSCHERT, STEPHEN L | 5797 HARVEY STREET STE A MUSKEGON, MI 49444 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | — | $5K | 14.91% |
| THE LEAD AGENCY LLC | 5797 HARVEY STREET STE A MUSKEGON, MI 49444 | VISION SERVICE PLAN | $4K | — | $4K | 19.98% |
| EMPLOYEE NAVIGATOR, LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $16 | — | $16 | 0.08% |
| RAUSCHERT, STEPHEN L | 5797 HARVEY STREET STE A MUSKEGON, MI 49444 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | — | $2K | 19.57% |
| RAUSCHERT, STEPHEN L | 5797 HARVEY STREET STE A MUSKEGON, MI 49444 | KANSAS CITY LIFE INSURANCE COMPANY | $546 | — | $546 | 14.93% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 168 | $816K |
| Dental | DELTA DENTAL OF MICHIGAN 1B EIN | 179 | $62K |
| Vision | VISION SERVICE PLAN | 66 | $20K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 124 | $4K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 124 | $30K |
| Other(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 124 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.