| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT N. SETTLE3 | 21051 RICHMOND DRIVE NORTHVILLE, MI 48167 | PRIORITY HEALTH | $41K | $0 | $41K | 2.51% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 3.71% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF MICHIGAN | $976 | $0 | $976 | 0.86% |
| SCOTT N. SETTLE3 | 21051 RICHMOND DRIVE NORTHVILLE, MI 48167 | PRIORITY HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 2.52% |
| NORTHWEST ENROLLX LLC3 Filed as: NORTHWEST ENROLLX, LLC | 7656 TWP. ROAD 94 FINDLAY, OH 45840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $150 | $3K | 9.96% |
| SWANSON-PHILLIPS & ASSOC3 Filed as: SWANSON PHILLIPS & ASSOCIATES, LLC | 833 KENMOOR AVENUE SE GRAND RAPIDS, MI 49546 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.12% |
| DAN YAARY3 | 13303 CREEKVIEW ROAD PROSPECT, KY 40059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $107 | $2K | 6.18% |
| NORTHWEST WORKSITE MARKETING CORP3 Filed as: NORTHWEST WORKSITE MARKETING CORP. | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $0 | $207 | 0.66% |
| 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 | 5.25% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 171 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 353 | $114K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 327 | $20K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 42 | $32K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 42 | $32K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 171 | $1.7M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 42 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.