| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN J MCPHERSON3 Filed as: KEVIN MCPHERSON | 244 N ROSE ST KALAMAZOO, MI 49007 | BLUE CARE NETWORK | $28K | — | $28K | 2.55% |
| TGG SOLUTIONS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK | $8K | — | $8K | 0.74% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | BLUE CARE NETWORK | $1K | — | $1K | 0.11% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | DELTA DENTAL | $3K | — | $3K | 5.11% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.06% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | EYEMED | $1K | — | $1K | 9.78% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $715 | — | $715 | 13.01% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT COMPANY | $359 | — | $359 | 11.43% |
| ROSE STREET ADVISORS LLC3 | 244 N ROSE STREET KALAMAZOO, MI 49007 | COLONIAL LIFE & ACCIDENT COMPANY | $231 | — | $231 | 7.36% |
| PATRICK JAMES MALAK3 | 8350 BYRON CENTER AVE SW BYRON CENTER, MI 49315 | COLONIAL LIFE & ACCIDENT COMPANY | $31 | — | $31 | 0.99% |
| MARY LOU TAYLOR3 | 1012 SUGARLOAF RESERVE DR DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT COMPANY | $13 | — | $13 | 0.41% |
| JEREMY SAMPSEL3 | 3030 S 9TH ST KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT COMPANY | $8 | — | $8 | 0.25% |
| LAURIE GAIL ANDREWS3 | 2340 CAMBRIDGE DR SE GRAND RAPIDS, MI 49506 | COLONIAL LIFE & ACCIDENT COMPANY | $3 | — | $3 | 0.10% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK | 212 | $1.1M |
| Dental | DELTA DENTAL | 208 | $61K |
| Vision | EYEMED | 180 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $42K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $11K |
| Prescription drug | BLUE CARE NETWORK | 212 | $1.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.