| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUURSMA AGENCY3 Filed as: BUURSMA, KURT A | 460 S WAVERLY RD HOLLAND, MI 49423 | PRIORITY HEALTH | $74K | — | $74K | 4.02% |
| KURT BUURSMA | 460 S WAVERLY RD HOLLAND, MI 49423 | KANSAS CITY LIFE | $12K | — | $12K | 10.62% |
| THE BUURSMA AGENCY3 Filed as: BUURSMA AGENCY LLC | 460 S WAVERLY RD HOLLAND, MI 49423 | ONE AMERICAN | $3K | — | $3K | 14.00% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 3358 EAGLE RUN DR NE GRAND RAPIDS, MI 49525 | ONE AMERICAN | $467 | — | $467 | 2.00% |
| THE BUURSMA AGENCY3 Filed as: BUURSMA AGENCY LLC | 460 S WAVERLY RD HOLLAND, MI 49423 | PACIFIC LIFE & ANNUITY COMPANY | $2K | — | $2K | 10.00% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 3358 EAGLE RUN DR NE SUITE 3 GRAND RAPIDS, MI 49525 | PACIFIC LIFE & ANNUITY COMPANY | $944 | — | $944 | 5.00% |
| KURT BUURSMA3 | 3900 SERENITY LANE WHITEHALL, MI 49461 | NATIONAL GUARDIAN LIFE INSURANCE | $1K | — | $1K | 10.94% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 124 | $1.8M |
| Dental(2 contracts, 2 carriers) | KANSAS CITY LIFE | 134 | $128K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE | 97 | $11K |
| Life insurance | ONE AMERICAN | 132 | $23K |
| Prescription drug | PRIORITY HEALTH | 124 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.