| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAUSCHERT, STEPHEN L3 | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | PRIORITY HEALTH | $41K | — | $41K | 3.76% |
| RAUSCHERT, STEPHEN L3 | 5797 HARVEY ST STE A MUSKEGON, MI 49444 | PRIORITY HEALTH INSURANCE COMPANY | $12K | — | $12K | 3.75% |
| SHANNON J. ENDERS3 Filed as: SHANNON ENDERS | 5797 HARVEY STREET SUITE A NORTON SHORES, MI 49444 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 12.66% |
| DOMINIC SICILIANO3 | 500 CASCADE WEST PKWY SUITE 160 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 3.38% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST SUITE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY ST SUITE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $750 | — | $750 | 14.99% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 138 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 161 | $56K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $21K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.