| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE GROUP INC.5 Filed as: ADVANTAGE BENEFITS | 89 MONROE AVE SUITE 200 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK | $26K | $123 | $26K | 3.35% |
| KURT BUURSMA | 238 HOOVER BLVD STE 10 HOLLAND, MI 49423 | KANSAS CITY LIFE | $4K | — | $4K | 12.00% |
| KURT BUURSMA3 Filed as: KURT A. BUURSMA | P.O. BOX 2668 HOLLAND, MI 494222668 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 | Plan Administrator Service code 14 | 3033 ORCHARD VISTA DR. GRAND RAPIDS, MI 49546 | $9K |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK | 195 | $787K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 84 | $12K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE | 149 | $59K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE | 149 | $59K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE | 149 | $59K |
| Prescription drug | BLUE CARE NETWORK | 195 | $787K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.