| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $25K | $27K | 3.54% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED HEALTHCARE INSURANCE COMPANY - DENTAL | $2K | — | $2K | 4.74% |
| 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 | $2K | $621 | $2K | 14.00% |
| 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 | $2K | $592 | $3K | 19.16% |
| 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 | $1K | $389 | $2K | 19.22% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED HEALTHCARE INSURANCE COMPANY - VISION | $808 | — | $808 | 9.81% |
| 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 | $1K | $289 | $1K | 18.82% |
| 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 | $285 | $184 | $469 | 8.23% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 148 | $774K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY - DENTAL | 111 | $39K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY - VISION | 103 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 11 | $6K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.