| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $39K | — | $39K | 4.74% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.84% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.95% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $547 | — | $547 | 13.47% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 4.67% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 3.48% |
| MARY LOU TAYLOR3 | 1012 SUGARLOAF RESERVE DR DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.81% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 217 | $821K |
| Dental | DELTA DENTAL OF MICHIGAN | 104 | $68K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $32K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.