| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE PORTAGE, MI 49002 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $30K | $30K | 3.09% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 E KILGORE RD PORTAGE, MI 49002 | AMERITAS LIFE INSURANCE CORP | $4K | $1K | $6K | 4.33% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.03% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $792 | $792 | 3.00% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $894 | $3K | 14.32% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $622 | $622 | 3.00% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $544 | $3K | 18.94% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $414 | $414 | 3.00% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $526 | $2K | 14.37% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $361 | $361 | 3.00% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 99 | $961K |
| Dental | AMERITAS LIFE INSURANCE CORP | 409 | $130K |
| Vision | AMERITAS LIFE INSURANCE CORP | 409 | $130K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $21K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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."
No prospect flags tripped on this filing.