| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER-VANDYK INS AGENCY INC | 2780 44TH ST SW WYOMING, MI 49519 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $6K | $23K | 20.43% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER-VANDYK INS AGENCY INC | 2780 44TH ST SW WYOMING, MI 49519 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 21.18% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER-VANDYK INS AGENCY INC | 2780 44H ST SW WYOMING, MI 49519 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 20.82% |
| OLIVER-VANDYK INS AGENCY INC3 | 2780 44TH STREET SW WYOMING, MI 49519 | EYEMED VISION CARE | $3K | — | $3K | 9.32% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER-VANDYK INS AGENCY INC | 2780 44TH ST SW WYOMING, MI 49519 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.47% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER-VANDYK INS AGENCY INC | 2780 44TH ST SW WYOMING, MI 49519 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.41% |
| OLIVER-VANDYK INS AGENCY INC3 | 2780 44TH STREET SW WYOMING, MI 49519 | EYEMED VISION CARE | — | — | $0 | 0.00% |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 617 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $154K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $202K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.