| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUITEN AND ASSOCIATES, LLC Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR., SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $34K | — | $34K | 2.88% |
| KEVIN D. CUMINGS | 5738 FOREMOST DR., SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 10.08% |
| BUITEN AND ASSOCIATES, LLC Filed as: BUITEN & ASSOCIATES, LLC | 537 FOREMOST DR., SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $10 | $10 | 0.02% |
| BUITEN AND ASSOCIATES, LLC Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.26% |
| BUITEN AND ASSOCIATES, LLC Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR., SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BENEFITS SERVICES | Claims processing Service code 12 | 2959 LUCERNE, SE GRAND RAPIDS, MI 49546 | $7K |
| BUITEN, TAMBLIN, STEENSMA | Insurance agents and brokers Service code 22 | 5738 FOREMOST DR. GRAND RAPIDS, MI 49548 | $458 |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 353 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $23K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 353 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.