| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N. ROSE STREET KALAMAZOO, MI 49007 | PRIORITY HEALTH INSURANCE COMPANY | — | $67K | $67K | 13.50% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N. ROSE ST. KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 2.94% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N. ROSE ST. KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $834 | $9K | 7.10% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE ST. ADVISORS | 244 N. ROSE ST. KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $506 | $11K | 14.60% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS - BOR | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | EYEMED VISION CARE | $5K | — | $5K | 10.00% |
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 | 625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 900 | $494K |
| Dental | DELTA DENTAL OF MICHIGAN | 891 | $299K |
| Vision | EYEMED VISION CARE | 768 | $47K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 587 | $122K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 587 | $122K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 587 | $122K |
| Prescription drug | PRIORITY HEALTH INSURANCE COMPANY | 900 | $494K |
| Other(3 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 900 | $689K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 900 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.