| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FORMOST DR SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | — | $560 | $560 | 0.16% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 7.48% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | -$2 | $7K | 4.11% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 11.29% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2 | $9K | 6.17% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.79% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $7 | $6K | 6.20% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 9.78% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.28% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1 | $2K | 6.24% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $314 | $2K | 9.24% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MI INC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $885 | $467 | $1K | 5.19% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $225 | $2K | 9.08% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MI INC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $642 | $344 | $986 | 5.20% |
| BUITEN AND ASSOCIATES, LLC4 Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 20.59% |
| TODAY'S THE DAY LLC4 | DBA NATALIE GUTIERREZ 7312 SEAWALL BLVD, APT 209 GALVESTON, TX 77551 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $182 | — | $182 | 2.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $342K |
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 | 662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 559 | $349K |
| Vision | HUMANA INSURANCE COMPANY | 375 | $73K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 662 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 321 | $178K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 658 | $139K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 662 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.