| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $17K | $17K | 12.12% |
| TCHP, LLC3 | 148 S. RIVER AVE SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.99% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | VISION SERVICE PLAN | $4K | — | $4K | 5.00% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.23% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.66% |
| TCHP, LLC3 | 148 S. RIVER AVE SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| TCHP, LLC5 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.05% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| TCHP, LLC5 | 148 S. RIVER AVE SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.18% |
| TCHP, LLC3 | 148 S. RIVER AVE. SUITE 300 HOLLAND, MI 49423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINSTRATOR | Contract Administrator; Claims processing Service code 12 | — | $30K |
| TCHP, LLC EIN 82-4154183 AGENT/AGENCY | Insurance agents and brokers Service code 22 | — | $7K |
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 | 1,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,053 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 554 | $86K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,053 | $142K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $25K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,053 | — |
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.