| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KURT BUURSMA3 Filed as: KURT A BUURSMA | 460 S WAVERLY RD HOLLAND, MI 49423 | PRIORITY HEALTH | $57K | — | $57K | 4.11% |
| UMR, INC.5 | 150 W WAUSAU AVE WAUSAU, WI 54401 | QBE INSURANCE CORPORATION | — | $189K | $189K | 36.02% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | QBE INSURANCE CORPORATION | $48K | — | $48K | 9.07% |
| UMR, INC.5 | 150 W WAUSAU AVE WAUSAU, WI 54401 | QBE INSURANCE CORPORATION | — | $131K | $131K | 38.41% |
| THE VANDYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | QBE INSURANCE CORPORATION | $30K | — | $30K | 8.87% |
| UMR, INC.5 Filed as: UNITED HEALTHCARE SERVICES INC | — | ALL SAVERS INSURANCE COMPANY | — | $56K | $56K | 28.00% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | ALL SAVERS INSURANCE COMPANY | $14K | — | $14K | 7.00% |
| KURT BUURSMA3 | 460 S WAVERLY ROAD HOLLAND, MI 49423 | KC LIFE | $15K | — | $15K | 11.27% |
| THE VANDYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | DEARBORN NATIONAL | $6K | — | $6K | 10.96% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | DEARBORN NATIONAL | $6K | — | $6K | 11.74% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | LINCOLN FINANCIAL NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| THE BUURSMA AGENCY3 Filed as: BUURSMA AGENCY LLC | 460 S WAVERLY RD HOLLAND, MI 49423 | STARMOUNT LIFE INSURANCE | $977 | — | $977 | 9.99% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | LINCOLN FINANCIAL NATIONAL LIFE INSURANCE COMPANY | $827 | — | $827 | 15.00% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | LINCOLN FINANCIAL NATIONAL LIFE INSURANCE COMPANY | $737 | — | $737 | 14.99% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DR, SUITE H HOMER GLEN, IL 60491 | LINCOLN FINANCIAL NATIONAL LIFE INSURANCE COMPANY | $524 | — | $524 | 14.99% |
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 | 396 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 102 | $1.4M |
| Dental(2 contracts, 2 carriers) | KC LIFE | 111 | $150K |
| Vision | STARMOUNT LIFE INSURANCE | 77 | $10K |
| Life insurance(4 contracts, 3 carriers) | KC LIFE | 201 | $254K |
| Short-term disability(3 contracts, 2 carriers) | DEARBORN NATIONAL | 201 | $115K |
| Long-term disability(3 contracts, 2 carriers) | DEARBORN NATIONAL | 201 | $117K |
| Prescription drug | PRIORITY HEALTH | 102 | $1.4M |
| Stop-loss / reinsurancereinsurance(2 contracts) | QBE INSURANCE CORPORATION | 163 | $866K |
| Other(3 contracts, 2 carriers) | ALL SAVERS INSURANCE COMPANY | 163 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.