| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN J MCPHERSON3 | 244 N ROSE STREET LOWER KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $46K | — | $46K | 4.17% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 1.05% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET LOWER KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.18% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET LOWER KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.37% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET LOWER KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $958 | $4K | 10.26% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET LOWER KALAMAZOO, MI 49007 | EYEMED | $827 | — | $827 | 9.04% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET LOWER KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $577 | $121 | $698 | 16.21% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | — | $329 | 11.55% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | — | $217 | 7.62% |
| LAURIE GAIL ANDREWS3 | 2340 CAMBRIDGE DR SE GRAND RAPIDS, MI 49506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.88% |
| MARY LOU TAYLOR3 | 1012 SUGARLOAF RESERVE DR. DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.53% |
| PATRICK JAMES MALAK3 | 8350 BYRON CENTER AVE SW BYRON CENTER, MI 49315 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.39% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 106 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 113 | $64K |
| Vision | EYEMED | 77 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $35K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
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.
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.