| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KURT BUURSMA3 Filed as: KURT A BUURSMA | 238 HOOVER BLVD STE 10 HOLLAND, MI 49423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 4.22% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 1.08% |
| THE BUURSMA AGENCY3 Filed as: BUURSMA AGENCY, LLC | 238 HOOVER BLVD HOLLAND, MI 49423 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 9.93% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 3.97% |
| KURT BUURSMA3 Filed as: KURT A BUURSMA | 238 HOOVER BLVD STE 10 HOLLAND, MI 49423 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.07% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 281 | $876K |
| Dental | DELTA DENTAL OF MICHIGAN | 263 | $93K |
| Vision | VISION SERVICE PLAN | 88 | $18K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 124 | $54K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 124 | $54K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 124 | $54K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 281 | $876K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 124 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.