| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM D KONING3 Filed as: WILLIAM D. KONING | 268 EAST KILGORE ROAD PORTAGE, MI 49002 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | $5K | $37K | 1.96% |
| KUIPERS INSURANCE ADVISORS LLC3 Filed as: KUIPERS INSURANCE ADVISORS, LLC | 268 EAST KILGORE ROAD PORTAGE, ME 49002 | AMERITAS LIFE INSURANCE COMPANY | $3K | $2K | $5K | 3.22% |
| KUIPERS INSURANCE ADVISORS LLC3 Filed as: KUIPERS INSURANCE ADVISORS, LLC | 268 EAST KILGORE ROAD PORTAGE, ME 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $941 | $5K | 10.52% |
| KUIPERS INSURANCE ADVISORS LLC3 Filed as: KUIPERS INSURANCE ADVISORS, LLC | 268 EAST KILGORE ROAD PORTAGE, ME 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $691 | $6K | 16.25% |
| KUIPERS INSURANCE ADVISORS LLC3 Filed as: KUIPERS INSURANCE ADVISORS, LLC | 268 EAST KILGORE ROAD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $427 | $3K | 11.84% |
| KUIPERS INSURANCE ADVISORS LLC3 Filed as: KUIPERS INSURANCE ADVISORS, LLC | 268 EAST KILGORE ROAD PORTAGE, ME 49002 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.01% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 131 TREMONT STREET, 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY | $248 | $0 | $248 | 3.00% |
| LIFETIME FINANCIAL GROWTH OF MI3 | 24255 WEST 13 MILE ROAD BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY | $93 | $0 | $93 | 1.13% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 527 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 389 | $155K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 389 | $155K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $52K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 527 | $1.9M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.