| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUURSMA AGENCY3 | 238 HOOVER BLVD, SUITE 10 HOLLAND, MI 49423 | PRIORITY HEALTH | $34K | — | $34K | 4.00% |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC5 Filed as: BENEFIT ADMINISTRATIVE SYSTEMS | 17475 JOVANNA DR HOMEWOOD, IL 60430 | HM LIFE | $17K | $90K | $108K | 14.98% |
| THE VANDYKE GROUP3 | 15915 CRYSTAL CREEK DR,, SUITE H HOMER GLEN, IL 60491 | HM LIFE | — | $77K | $77K | 10.70% |
| THE BUURSMA AGENCY3 | 238 HOOVER BLVD, SUITE 10 HOLLAND, MI 49423 | KC LIFE | $10K | — | $10K | 11.15% |
| UMR, INC.5 Filed as: UNITED HEALTHCARE SERVICES, INC. | — | ALL SAVERS INSURANCE COMPANY | — | $25K | $25K | 36.32% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | ALL SAVERS INSURANCE COMPANY | $5K | — | $5K | 7.48% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | DEARBORN NATIONAL | $6K | — | $6K | 11.09% |
| THE VANDYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | DEARBORN NATIONAL | $5K | — | $5K | 11.80% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | THE LINCOLN NATIONAL LIFE INSURANCE | $2K | — | $2K | 12.58% |
| THE BUURSMA AGENCY3 | 238 HOOVER BLVD, SUITE 10 HOLLAND, MI 49423 | STARMOUNT LIFE INSURANCE COMPANY | $563 | — | $563 | 9.55% |
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 | 493 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PRIORITY HEALTH | 264 | $1.6M |
| Dental(3 contracts, 3 carriers) | HM LIFE | 264 | $832K |
| Vision(2 contracts, 2 carriers) | HM LIFE | 264 | $726K |
| Life insurance(4 contracts, 3 carriers) | KC LIFE | 204 | $213K |
| Short-term disability(3 contracts, 2 carriers) | DEARBORN NATIONAL | 204 | $120K |
| Long-term disability(3 contracts, 2 carriers) | DEARBORN NATIONAL | 204 | $120K |
| Prescription drug(3 contracts, 3 carriers) | PRIORITY HEALTH | 264 | $1.6M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE | 264 | $787K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.