| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KATHLEEN COOK3 | 528 4TH STREET NW GRAND RAPIDS, MI 49504 | PRIORITY HEALTH | $298K | $0 | $298K | 3.02% |
| AXIOS INSURANCE ADVISORS, LLC3 Filed as: AXIOS INSURANCE ADVISORS | 528 4TH STREET NW GRAND RAPIDS, MI 49504 | METROPOLITAN LIFE INSURANCE COMPANY | $149K | $0 | $149K | 15.99% |
| AXIOS INSURANCE ADVISORS, LLC3 Filed as: AXIOS INSURANCE ADVISORS | 528 4TH STREET NW GRAND RAPIDS, MI 49504 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $16K | $0 | $16K | 9.97% |
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 | 3,873 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 2,246 | $9.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,165 | $156K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,053 | $929K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,053 | $929K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,053 | $929K |
| Prescription drug | PRIORITY HEALTH | 2,246 | $9.9M |
| Other(3 contracts, 3 carriers) | PRIORITY HEALTH | 4,053 | $10.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,053 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.