| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS W. NAGEL, JR.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | PRIORITY HEALTH | $6K | $0 | $6K | 0.89% |
| JAMES PRIEST3 Filed as: JAMES R. DICKSON | 1 BURTON HILLS BOULEVARD, SUITE 200 NASHVILLE, TN 37215 | PRIORITY HEALTH | $5K | $0 | $5K | 0.77% |
| ROBERT S. VANDERVEEN3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | PRIORITY HEALTH | $2K | $0 | $2K | 0.32% |
| DOUGLAS W. NAGEL, JR.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | PRIORITY HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 0.90% |
| JAMES PRIEST3 Filed as: JAMES R. DICKSON | 1 BURTON HILLS BOULEVARD, SUITE 200 NASHVILLE, TN 37215 | PRIORITY HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 0.77% |
| JOHN W SCHUEMANN3 Filed as: JOHN SCHUEMANN | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | PRIORITY HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 0.68% |
| ROBERT S. VANDERVEEN3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | PRIORITY HEALTH INSURANCE COMPANY | $491 | $0 | $491 | 0.33% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.93% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, INC. | 5579 DTADIUM DRIVE KALAMAZOO, MI 49009 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49549 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.70% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, INC. | 5579 DTADIUM DRIVE KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 65 E JACKSON BLVD CHICAGO, IL 60604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.40% |
| LOCKTON COMPANIES, LLC | PO BOX 505115 ST. LOUIS, MO 63150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | EYEMED VISION | $523 | $0 | $523 | 4.38% |
| THE NULTY AGENCY INC.3 Filed as: NULTY AGENCY, INC. | 5579 DTADIUM DRIVE KALAMAZOO, MI 49009 | EYEMED VISION | $342 | $0 | $342 | 2.87% |
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 | 289 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 126 | $823K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 133 | $61K |
| Vision | EYEMED VISION | 179 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $43K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 126 | $823K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.