| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | BLUE CARE NETWORK OF MICHIGAN | $29K | $2K | $31K | 1.99% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $253 | $7K | 1.84% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $9K | $26K | 14.82% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DR KALAMAZOO, MI 490091929 | DELTA DENTAL OF MICHIGAN | $6K | $255 | $6K | 4.86% |
| THE NULTY AGENCY INC.3 | 5579 STADIUM DRIVE KALAMAZOO, MI 490091929 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.66% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 370 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 416 | $131K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 369 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $175K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $175K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $175K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 370 | $1.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
No prospect flags tripped on this filing.