| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHANNON J. ENDERS3 | 5797 HARVEY ST. SUITE A MUSKEGON, MI 494447866 | BLUE CARE NETWORK OF MICHIGAN | $36K | $125 | $36K | 4.22% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST. SUITE A NORTON SHORES, MI 49444 | DELTA DENTAL OF MICHIGAN | $13K | — | $13K | 15.56% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST. SUITE A NORTON SHORES, MI 494446727 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST. SUITE A NORTON SHORES, MI 494446727 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST. SUITE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THE LEAD AGENCY LLC3 Filed as: THE LEAD AGENCY, LLC | 5797 HARVEY ST. SUITE A NORTON SHORES, MI 496446727 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST. SUITE A NORTON SHORES, MI 49444 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 15.33% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 222 | $854K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 177 | $97K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $24K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 222 | $854K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.