| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN JENISON, MI 49428 | BLUE CARE NETWORK OF MICHIGAN | $28K | $0 | $28K | 1.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENRICKS STUITE INS | 3055 44TH STREET SW GRANDVILLE, MI 49418 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 3.92% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INS AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $72 | $6K | 3.19% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | EYEMED | $897 | $0 | $897 | 5.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENRICKS STUITE INS | PO BOX 953 GRANDVILLE, MI 49468 | EYEMED | $369 | $0 | $369 | 2.45% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 327 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 813 | $204K |
| Vision | EYEMED | 200 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 813 | $204K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 813 | $204K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 327 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 813 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.