| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM D KONING3 | 268 EAST KILGORE PORTAGE, MI 49002 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | — | $34K | 2.08% |
| SUSAN L CULHANE3 | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | — | $18K | 1.10% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $8K | $8K | 0.51% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $857 | $857 | 3.00% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $673 | $673 | 3.00% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $447 | $447 | 3.00% |
| KUIPERS INSURANCE ADVISORS LLC3 | 268 EAST KILGORE RD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $409 | $409 | 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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 318 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 318 | $1.6M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 318 | $1.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $22K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 318 | $1.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.