| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 440 POLARIS PKWY WESTERVILLE, OH 43082 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 1.20% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 440 POLARIS PKWY WESTERVILLE, OH 43082 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 2.71% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AGENCY, INC. | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 2.88% |
| NEXT GENERATION ENROLLMENT INC.5 Filed as: NEXT GENERATION FINANCIAL GROUP, LI | 455 PETTIS AVE SE ADA, MI 49301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 7.00% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DR. KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 6.01% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DR KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 9.97% |
| NEXT GENERATION ENROLLMENT INC.5 Filed as: NEXT GENERATION FINANCIAL GROUP, LI | 455 PETTIS AVE SE ADA, MI 49301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 7.00% |
| THE NULTY AGENCY INC.3 Filed as: NULTY INSURANCE AGENCY | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.62% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DR. KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $364 | $2K | 12.42% |
| NEXT GENERATION ENROLLMENT INC.5 Filed as: NEXT GENERATION FINANCIAL GROUP, LI | 455 PETTIS AVE SE ADA, MI 49301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 7.00% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DR. KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $306 | $2K | 17.56% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DR. KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $619 | $147 | $766 | 12.37% |
| NEXT GENERATION ENROLLMENT INC.5 Filed as: NEXT GENERATION FINANCIAL GROUP, LI | 455 PETTIS AVE SE ADA, MI 49301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $433 | $433 | 6.99% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DR. KALAMAZOO, MI 49009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $784 | $163 | $947 | 18.11% |
| BRAD SCOFFIN3 | 7931 TS AVENUE EAST SCOTTS, MI 49088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 2.34% |
| CRAIG L SCHROEDER3 | 7517 W. HICKORY RD HICKORY CORNERS, MI 49060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.85% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 390 | $2.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 704 | $295K |
| Vision | VISION SERVICE PLAN | 303 | $31K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $6K |
| Other(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.