| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM D KONING3 Filed as: WILLIAM D. KONING | 268 EAST KILGORE PORTAGE, MI 49002 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $5K | $27K | 19.33% |
| KUIPERS INSURANCE ADVISORS LLC3 Filed as: KUIPERS INSURANCE ADVISORS, LLC | 268 EAST KILGORE ROAD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 10.39% |
| KUIPERS INSURANCE ADVISORS LLC3 Filed as: KUIPERS INSURANCE ADVISORS, LLC | 268 EAST KILGORE ROAD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 17.81% |
| KUIPERS INSURANCE ADVISORS LLC3 Filed as: KUIPERS INSURANCE ADVISORS, LLC | 268 EAST KILGORE ROAD PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 13.45% |
| KUIPERS INSURANCE ADVISORS LLC3 Filed as: KUIPERS INSURANCE ADVISORS, LLC | 268 EAST KILGORE ROAD PORTAGE, MI 49002 | AMERITAS LIFE INSURANCE COMPANY | $2K | $124 | $2K | 7.56% |
| KUIPERS INSURANCE ADVISORS LLC3 Filed as: KUIPERS INSURANCE ADVISORS, LLC | 268 EAST KILGORE ROAD PORTAGE, MI 49002 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 131 TREMONT STREET, 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY | $272 | $0 | $272 | 3.00% |
| LIFETIME FINANCIAL GROWTH OF MI3 | 24255 WEST 13 MILE ROAD BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.30% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 550 | $140K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 550 | $140K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 264 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $69K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 550 | $140K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.