| 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 | — | $62K | $62K | 22.54% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 240 N. ROSE ST. KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 3.06% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N. ROSE ST. KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $871 | $9K | 6.44% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N. ROSE ST. KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $486 | $10K | 13.49% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS - BOR | 244 NORTH ROSE STRET KALAMAZOO, MI 49007 | EYEMED VISION CARE | $3K | — | $3K | 9.20% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS - BOR | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | EYEMED VISION CARE | $939 | — | $939 | 9.18% |
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 | 633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 843 | $277K |
| Dental | DELTA DENTAL OF MICHIGAN | 853 | $235K |
| Vision(2 contracts) | EYEMED VISION CARE | 505 | $46K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 534 | $136K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 534 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 534 | $136K |
| Prescription drug | PRIORITY HEALTH INSURANCE COMPANY | 843 | $277K |
| Other(3 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 843 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 853 | — |
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.