| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN D. CUMINGS3 Filed as: KEVIN D. CUMMINGS | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $23K | $0 | $23K | 2.16% |
| BUITEN AND ASSOCIATES, LLC3 | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $0 | $667 | $667 | 0.06% |
| KEVIN D. CUMINGS3 Filed as: KEVIN D. CUMMINGS | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $0 | $10K | 2.47% |
| BUITEN AND ASSOCIATES, LLC3 | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $161 | $161 | 0.04% |
| BUITEN AND ASSOCIATES, LLC3 | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | AMERITAS LIFE INSURANCE CORP. | $4K | $687 | $5K | 3.01% |
| BUITEN AND ASSOCIATES, LLC3 | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 14.92% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.79% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 273 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 334 | $150K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 334 | $150K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $88K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $88K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 273 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.