| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOX INSURANCE AGENCY LLC3 Filed as: FOX INS AGENCY LLC | 200 OTTAWA AVE NW SUITE 801 GRAND RAPIDS, MI 495032426 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.75% |
| BENEFIT PROFILES INC3 | 4500 CASCADE RD SE SUITE 106 GRAND RAPIDS, MI 495463665 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $13 | $5K | 1.27% |
| FOX INSURANCE AGENCY LLC3 Filed as: FOX INSURANCE AGENCY, LLC | 200 OTTAWA AVE SUITE 403 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 12.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.24% |
| FOX INSURANCE AGENCY LLC3 Filed as: FOX INSURANCE AGENCY, LLC | 200 OTTAWA AVE SUITE 403 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $203 | — | $203 | 0.25% |
| FOX INSURANCE AGENCY LLC3 | 200 OTTAWA AVE NW SUITE 403 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| FOX INSURANCE AGENCY LLC3 Filed as: FOX INSURANCE AGENCY, LLC | 200 OTTAWA AVE SUITE 403 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MA 48025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $441 | — | $441 | 1.65% |
| FOX INSURANCE AGENCY LLC3 | 200 OTTAWA AVE NW SUITE 403 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5 | — | $5 | 12.82% |
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 | 689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,190 | $428K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,247 | $41K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 559 | $176K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 558 | $27K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 559 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,247 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.