| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARMAN M. BAINES3 | 85 CAMPAU AVENUE NW GRANDRAPIDS, MI 49503 | PRIORITY HEALTH | $39K | $0 | $39K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 4.99% |
| CARMAN M. BAINES3 | 85 CAMPAU AVENUE NW GRANDRAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 3.00% |
| NORTHWEST ENROLLX LLC3 Filed as: NORTHWEST ENROLLX, LLC | 7656 TWP ROAD 94 FINDLAY, OH 45840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $350 | $3K | 10.35% |
| SWANSON-PHILLIPS & ASSOC3 Filed as: SWANSON PHILLIPS AND ASSOC., LLC | 833 KENMOOR AVENUE SE GRAND RAPIDS, MI 49546 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $25 | $2K | 7.79% |
| DAN YAARY3 | 13303 CREEKVIEW ROAD PROSPECT, KY 40059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $184 | $2K | 6.51% |
| NORTHWEST WORKSITE MARKETING CORP3 Filed as: NORTHWEST WORKSITE MARKETING CORP. | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $221 | $0 | $221 | 0.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 4.71% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 291 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 346 | $122K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 698 | $21K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 46 | $26K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 46 | $26K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 291 | $1.4M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 46 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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.