| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEREK TEMPLE3 | 59259 VAN DYK WSHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $35K | $0 | $35K | 2.48% |
| VAN WYK LLC3 | 150 OTTAWA AVE NW STE 1000 GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $0 | $29K | 10.81% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PARKWAY STE 160 GRAND RAPIDS, MI 49546 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 5.00% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 329 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $271K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $271K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $271K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $271K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $271K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 329 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.