| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUURSMA AGENCY3 Filed as: BUURSMA AGENCY, LLC | 238 HOOVER BLVD, SUITE 10 HOLLAND, MI 49423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $38K | — | $38K | 3.65% |
| TGG SOLUTIONS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 0.93% |
| THE BUURSMA AGENCY3 Filed as: BUURSMA AGENCY, LLC | 238 HOOVER BLVD, SUITE 10 HOLLAND, MI 49423 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 10.26% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PKWY SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.10% |
| THE BUURSMA AGENCY3 Filed as: BUURSMA AGENCY, LLC | 238 HOOVER BLVD, SUITE 10 HOLLAND, MI 49423 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.96% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 252 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 261 | $93K |
| Vision | VISION SERVICE PLAN | 82 | $19K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 112 | $55K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 112 | $55K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 112 | $55K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 252 | $1.0M |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 112 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.