| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBRA DOERSCHLER3 | 244 N ROSE ST KALAMAZOO, MI 49007 | PRIORITY HEALTH | $61K | — | $61K | 1.98% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N. ROSE ST. KALAMAZOO, MI 49007 | DELTA DENTAL | $7K | — | $7K | 2.76% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE STREET KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $542 | $7K | 9.55% |
| DEBRA DOERSCHLER3 | 244 N. ROSE ST KALAMAZOO, MI 49007 | PRIORITY HEALTH | $1K | — | $1K | 1.99% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE STREET KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE OF AMERICA | $6K | $320 | $7K | 15.66% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS - BOR | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | EYE MED VISION CARE | $3K | — | $3K | 10.87% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS - BOR | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | EYE MED VISION CARE | $848 | — | $848 | 10.91% |
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 | 608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH | 849 | $3.2M |
| Dental | DELTA DENTAL | 842 | $271K |
| Vision(2 contracts) | EYE MED VISION CARE | 479 | $38K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 623 | $116K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 623 | $73K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 623 | $73K |
| Prescription drug(2 contracts) | PRIORITY HEALTH | 849 | $3.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 623 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.