| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER T FISHER LLC3 | PO BOX 50631 KALAMAZOO, MI 490050631 | UNITEDHEALTHCARE INSURANCE COMPANY | $17 | $71K | $71K | 3.13% |
| KEYSER INSURANCE GROUP3 Filed as: KEYSER INSURANCE AGENCY | 151 EAST MICHIGAN AVENUE KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 2.06% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC | DBA KEYSER INSURANCE GROUP 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $14K | — | $14K | 4.98% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $25K | 9.69% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T FISHER LLC DBA KEYSER | 444 W MICHIGAN AVE P.O. BOX 50631 KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $1K | $25K | 9.48% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AON COMPANY 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $6K | $23K | 30.04% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T FISHER LLC DBA KEYSER | 444 W MICHIGAN AVENUE P.O. BOX 50631 KALAMAZOO, MI 49007 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $41 | $1K | 1.85% |
| KEYSER INSURANCE GROUP3 | P.O. BOX 50631 KALAMAZOO, MI 49005 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.03% |
| PLAN CHOICE3 Filed as: PLAN CHOICE, INC. | 13257 O'BANNON STATION WAY LOUISVILLE, KY 40223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.02% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AON COMPANY 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $489 | — | $489 | 26.28% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T FISHER LLC DBA KEYSER | 444 W. MICHIGAN AVE P.O. BOX 50631 KALAMAZOO, MI 49007 | FIRST UNUM LIFE INSURANCE COMPANY | $25 | — | $25 | 1.34% |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 575 | $3.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,015 | $291K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 711 | $48K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 998 | $342K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 998 | $263K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 483 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 998 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,015 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.