| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER T FISHER LLC3 | PO BOX 50631 KALAMAZOO, MI 490050631 | UNITEDHEALTHCARE INSURANCE COMPANY | $979 | $59K | $60K | 3.08% |
| KEYSER INSURANCE GROUP3 Filed as: KEYSER INSURANCE AGENCY | 151 EAST MICHIGAN AVENUE KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $55K | — | $55K | 3.94% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T FISHER LLC DBA K | 444 W MICHIGAN AVE PO BOX 50631 KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $1K | $22K | 13.82% |
| KEYSER INSURANCE GROUP3 | P.O. BOX 50631 KALAMAZOO, MI 49005 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| PLAN CHOICE3 Filed as: PLAN CHOICE, INC. | 13257 O'BANNON STATION WAY LOUISVILLE, KY 40223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 719 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $157K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $157K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 492 | $1.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.