| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OTTAWA KENT INSURANCE AGENCY Filed as: OTTAWA-KENT INSURANCE AGENCY | 7472 MAIN STREET JENNISON, MI 49429 | GUARDIAN | $4K | — | $4K | 4.14% |
| LIFETIME FINANCIAL GROWTH OF MICHIG Filed as: LIFETIME FINANCIAL GROWTH OF MICH | 29800 TELEGRAPH RD SOUTHFIELD, MI 48034 | GUARDIAN | $131 | — | $131 | 0.12% |
| OTTAWA KENT INSURANCE AGENCY Filed as: OTTAWA-KENT INSURANCE AGENCY | 7472 MAIN STREET JENNISON, MI 49429 | GUARDIAN | $3K | — | $3K | 6.24% |
| LIFETIME FINANCIAL GROWTH OF MICHIG Filed as: LIFETIME FINANCIAL GROWTH OF MICH | 29800 TELEGRAPH RD SOUTHFIELD, MI 48034 | GUARDIAN | $100 | — | $100 | 0.20% |
| OTTAWA KENT INSURANCE AGENCY Filed as: OTTAWA-KENT INSURANCE AGENCY | 7274 MAIN STREET JENNISON, MI 49429 | GUARDIAN | $4K | — | $4K | 11.96% |
| LIFETIME FINANCIAL GROWTH OF MICHIG Filed as: LIFETIME FINANCIAL GROWTH OF MICH | 29800 TELEGRAPH RD SOUTHFIELD, MI 48034 | GUARDIAN | $142 | — | $142 | 0.41% |
| OTTAWA KENT INSURANCE AGENCY Filed as: OTTAWA-KENT INSURANCE AGENCY | 7274 MAIN STREET JENNISON, MI 49429 | GUARDIAN | $3K | — | $3K | 13.00% |
| LIFETIME FINANCIAL GROWTH OF MICHIG Filed as: LIFETIME FINANCIAL GROWTH OF MICH | 29800 TELEGRAPH RD SOUTHFIELD, MI 48034 | GUARDIAN | $72 | — | $72 | 0.30% |
| OTTAWA KENT INSURANCE AGENCY Filed as: OTTAWA-KENT INSURANCE AGENCY | 7472 MAIN STREET JENNISON, MI 49429 | GUARDIAN | $2K | — | $2K | 9.22% |
| LIFETIME FINANCIAL GROWTH OF MICHIG Filed as: LIFETIME FINANCIAL GROWTH OF MICH | 29800 TELEGRAPH RD SOUTHFIELD, MI 48034 | GUARDIAN | $53 | — | $53 | 0.31% |
| OTTAWA KENT INSURANCE AGENCY Filed as: OTTAWA-KENT INSURANCE AGENCY | 7472 MAIN STREET JENNISON, MI 49429 | GUARDIAN | $2K | — | $2K | 20.00% |
| LIFETIME FINANCIAL GROWTH OF MICHIG Filed as: LIFETIME FINANCIAL GROWTH OF MICH | 29800 TELEGRAPH RD SOUTHFIELD, MI 48034 | GUARDIAN | $76 | $0 | $76 | 0.68% |
| OTTAWA KENT INSURANCE AGENCY Filed as: OTTAWA-KENT INSURANCE AGENCY | 7472 MAIN STREET JENNISON, MI 49429 | GUARDIAN | $197 | $0 | $197 | 10.00% |
| LIFETIME FINANCIAL GROWTH OF MICHIG Filed as: LIFETIME FINANCIAL GROWTH OF MICH | 29800 TELEGRAPH RD SOUTHFIELD, MI 48034 | GUARDIAN | $7 | $0 | $7 | 0.36% |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 251 | $107K |
| Vision | GUARDIAN | 251 | $17K |
| Life insurance | GUARDIAN | 251 | $35K |
| Short-term disability | GUARDIAN | 251 | $50K |
| Long-term disability | GUARDIAN | 251 | $24K |
| Other(3 contracts) | GUARDIAN | 251 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.