| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA L CLINE3 | 444 W MICHIGAN AVE KALAMAZOO, MI 490073714 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $69K | — | $69K | 2.23% |
| INSGROUP INC3 Filed as: KEYSER INSURANCE GROUP DBA | KEYSER INSURANCE GROUP OKEMOS, MI 488648864 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.13% |
| PATRICIA L CLINE3 | 444 W. MICHIGAN AVENUE KALAMAZOO, MI 490073907 | BLUE CARE NETWORK OF MICHIGAN | $39K | — | $39K | 2.46% |
| INSGROUP INC3 Filed as: KEYSER INSURANCE GROUP DBA | KEYSER INSURANCE GROUP OKEMOS, MI 488648864 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.19% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC | KEYSER INSURANCE GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | $3K | $42K | 12.17% |
| 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 | $528 | $14K | 4.73% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC | 444 W. MICHIGAN AVENUE KALAMAZOO, MI 49007 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 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% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | AON COMPANY 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $539 | $2K | 17.91% |
| 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 | $126 | $2 | $128 | 1.31% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $596 | $2K | 32.17% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T FISHER LLC DBA KEYSER | 444 W MICHIGAN AVENUE P.O. BOX 50631 KALAMAZOO, MI 49007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108 | $3 | $111 | 1.74% |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 681 | $4.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,146 | $300K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 885 | $57K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 635 | $360K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 635 | $344K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 635 | $344K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 681 | $4.7M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 635 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,146 | — |
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."
No prospect flags tripped on this filing.