| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE ST KALAMAZOO, MI 49007 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.83% |
| EPIC3 Filed as: EPIC INS BROKERS & CONSULTANT | 600 E 96TH STREET SUITE 400 INDIANAPOLIS, IN 46280 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $450 | — | $450 | 0.62% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE ST KALAMAZOO, MI 49007 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 9.73% |
| ONI RISK PARTNERS INC3 | DBA EPIC INSURANCE MIDWEST 678 FRONT ST NW, SUITE 330 GRAND RAPIDS, MI 49504 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $873 | — | $873 | 2.96% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISOR,LLC | 244 NORTH ROSE ST KALAMAZOO, MI 49007 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | $918 | $3K | 12.64% |
| ONI RISK PARTNERS INC3 | DBA EPIC INSURANCE MIDWEST 678 FRONT STREET NW, SUITE 330 GRAND RAPIDS, MI 49504 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $556 | — | $556 | 2.68% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE ST KALAMAZOO, MI 49007 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | $325 | $2K | 19.00% |
| ONI RISK PARTNERS INC3 | DBA EPIC INSURANCE MIDWEST 678 FRONT ST NW, SUITE 330 GRAND RAPIDS, MI 49504 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $407 | — | $407 | 4.96% |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 195 | $72K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 195 | $72K |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 94 | $30K |
| Short-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 94 | $21K |
| Other(2 contracts) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 94 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.