| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN D. CUMINGS3 Filed as: KEVIN D CUMINGS | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 3.58% |
| BUITEN AND ASSOCIATES, LLC3 | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | — | $774 | $774 | 0.11% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | AMERITAS LIFE INSURANCE GROUP | $3K | $311 | $3K | 4.98% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $596 | $3K | 18.98% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $511 | $511 | 3.41% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $485 | $2K | 13.28% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $416 | $416 | 2.82% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $355 | $2K | 18.87% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $304 | $304 | 3.32% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $315 | $255 | $570 | 9.04% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $219 | $219 | 3.47% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $807 | $227 | $1K | 19.22% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $194 | $194 | 3.61% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 128 | $681K |
| Dental | AMERITAS LIFE INSURANCE GROUP | 123 | $61K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 123 | $61K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 39 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 21 | $6K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 128 | $681K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.