| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN AND ASSOCIATES LLC | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $39K | — | $39K | 2.40% |
| BUITEN AND ASSOCIATES, LLC3 | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 7.62% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD SE, SUITE 106 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.17% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN AND ASSOCIATES LLC | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 495467041 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $28 | $3K | 12.62% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $167 | $2K | 6.73% |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 533 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 726 | $207K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 726 | $207K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 726 | $207K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 726 | $207K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 726 | $207K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 533 | $1.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 726 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.