| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN D. CUMINGS3 Filed as: KEVIN D CUMINGS | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 3.36% |
| BUITEN AND ASSOCIATES, LLC3 | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | — | $738 | $738 | 0.10% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | AMERITAS LIFE INSURANCE GROUP | $2K | — | $2K | 3.30% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $902 | $3K | 15.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN | 1190 TORREY RD FENTON, MI 48430 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $817 | — | $817 | 4.97% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $451 | $451 | 2.74% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $916 | $905 | $2K | 12.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN | 1190 TORREY RD FENTON, MI 48430 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $491 | — | $491 | 3.49% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $453 | $453 | 3.22% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $906 | $563 | $1K | 15.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN | 1190 TORREY RD FENTON, MI 48430 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $477 | — | $477 | 5.17% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $281 | $281 | 3.05% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $202 | $387 | $589 | 9.63% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $194 | $194 | 3.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN | 1190 TORREY RD FENTON, MI 48430 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $104 | — | $104 | 1.70% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $487 | $325 | $812 | 15.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN | 1190 TORREY RD FENTON, MI 48430 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $276 | — | $276 | 5.43% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $163 | $163 | 3.21% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 138 | $762K |
| Dental | AMERITAS LIFE INSURANCE GROUP | 135 | $67K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 135 | $67K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 61 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 18 | $6K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 138 | $762K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 61 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.