| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 495467041 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $33 | $19K | 6.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN INC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 495467068 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $320 | $2K | 0.57% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 495467041 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $12K | $12K | 11.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN INC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 495467068 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 4.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN INC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 495467068 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 64.11% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE, DWIGHT, L BENEFITS TECH | 1200 E TAFT AVENUE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.10% |
| CURALINC HEALTHCARE3 | 314 WEST SUPERIOR STREET, SUITE 601 CHICAGO, IL 60654 | CURALINC HEALTHCARE | $525 | — | $525 | 2.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN INC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 495467068 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 74.96% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN RD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $411 | $411 | 2.47% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE, DWIGHT, L BENEFITS TECH | 1200 E TAFT AVENUE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.53% |
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 | 1,462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,254 | $107K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,475 | $307K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,475 | $291K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,475 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,475 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.