| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N. ROSE ST. KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $3K | $17K | 14.55% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 NORTH ROSE ST. KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 6.35% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 NORTH ROSE ST. KALAMAZOO, MI 49007 | EYEMED VISION CARE | $1K | — | $1K | 10.22% |
| MELISSA DEVON WRIGHT-HALMON3 Filed as: MELISSA DEVON WRIGHT-HAMON | 1109 POINT N JACKSON, MI 49201 | COLONIAL LIFE & ACCIDENT | $831 | $107 | $938 | 18.58% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DR. SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT | $256 | $57 | $313 | 6.20% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS | 244 N, ROSE ST. KALAMAZOO, MI 49007 | COLONIAL LIFE & ACCIDENT | $312 | — | $312 | 6.18% |
| JEREMY SAMPSEL3 | 401 HALL ST. STE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT | $65 | $26 | $91 | 1.80% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT | $83 | — | $83 | 1.64% |
| DIANNA LYNN ATCHISON3 Filed as: DIANNA LYN ATCHINSON | 225 E DIVISION ST. ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT | $46 | $8 | $54 | 1.07% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE RD. WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT | $26 | $16 | $42 | 0.83% |
| CYNTHIA SUSANNE EVERY3 | 212 W DUNCAN ST MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT | $19 | — | $19 | 0.38% |
| MICHELLE ASHLEY3 Filed as: MICHELLE RENEE ASHLEY | 10545 SINGER LAKE RD BARODA, MI 49101 | COLONIAL LIFE & ACCIDENT | $15 | — | $15 | 0.30% |
| MARY LOU TAYLOR3 | 11176 WILMINGTON BLVD ENGLEWOOD, FL 34224 | COLONIAL LIFE & ACCIDENT | $3 | — | $3 | 0.06% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 170 | $50K |
| Vision | EYEMED VISION CARE | 310 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $116K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $116K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $116K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.