| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN HOLLAND, MI 49424 | BLUE CARE NETWORK OF MICHIGAN | $34K | — | $34K | 2.76% |
| UNKNOWN3 | UNKNOWN HOLLAND, MI 49424 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 1.04% |
| OLIVER-VANDYK INS AGENCY INC3 Filed as: OLIVER VANDYK INSURANCE AGENCY INC. | 2780 44TH STREET SW WYOMING, MI 49519 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $1K | $25K | 11.22% |
| OLIVER-VANDYK INS AGENCY INC3 Filed as: OLIVER VANDYK INSURANCE AGENCY INC. | 2780 44TH STREET SW WYOMING, MI 49519 | VISION SERVICE PLAN | $1K | — | $1K | 5.58% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 485 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $224K |
| Vision | VISION SERVICE PLAN | 206 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $224K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $224K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $224K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 485 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.