| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KURT BUURSMA3 Filed as: KURT A BUURSMA | 238 HOOVER ST HOLLAND, MI 49423 | PRIORITY HEALTH | $54K | — | $54K | 4.00% |
| UMR, INC.5 | 150 W WAUSAU AVE WAUSAU, WI 54401 | QBE INSURANCE CORPORATION | — | $185K | $185K | 34.17% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | QBE INSURANCE CORPORATION | $51K | — | $51K | 9.51% |
| UMR, INC.3 | 150 W WAUSAU AVE WAUSAU, WI 54401 | QBE INSURANCE CORPORATION | $113K | $113K | $226K | 76.57% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | QBE INSURANCE CORPORATION | $27K | — | $27K | 9.28% |
| KURT BUURSMA3 Filed as: KURT BUURSMA-THE BUURSMA AGENCY | 238 HOOVER BLVD, SUITE 10 HOLLAND, MI 49423 | KC LIFE | $15K | — | $15K | 11.40% |
| UMR, INC. Filed as: UNITED HEALTHCARE SERVICES, INC. | — | ALL SAVERS INSURANCE COMPANY | — | $19K | $19K | 27.96% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | ALL SAVERS INSURANCE COMPANY | $5K | — | $5K | 6.90% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 12.62% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 14.02% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | TOKIO MARINE | — | — | $0 | 0.00% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| THE BUURSMA AGENCY3 Filed as: BUURSMA AGENCY LLC | 238 HOOVER BLVD, SUITE 10 HOLLAND, MI 49423 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $720 | — | $720 | 14.99% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $592 | — | $592 | 14.99% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $450 | — | $450 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | 150 W WAUSAU AVE WAUSAU, WI 54401 | $284K |
| THE VANDYKE GROUP EIN 36-4025371 BROKER | Other commissions Service code 55 | 15912 CRYSTAL CREEK DR # H HOMER GLEN, IL 60491 | $101K |
| UNITED HEALTHCARE SERVICES EIN 41-1289245 ADMINISRATOR CLAIMS PROC | Claims processing; Contract Administrator Service code 12 | — | $19K |
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 | 415 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 101 | $1.3M |
| Dental(2 contracts, 2 carriers) | KC LIFE | 111 | $140K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 78 | $10K |
| Life insurance(4 contracts, 3 carriers) | KC LIFE | 203 | $243K |
| Short-term disability(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 203 | $112K |
| Long-term disability(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 203 | $113K |
| Prescription drug | PRIORITY HEALTH | 101 | $1.3M |
| Stop-loss / reinsurancereinsurance(2 contracts) | QBE INSURANCE CORPORATION | 171 | $837K |
| Other(3 contracts, 2 carriers) | ALL SAVERS INSURANCE COMPANY | 171 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.