| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $42K | $0 | $42K | 13.54% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 9.80% |
| STEPHEN RAUSCHERT4 | 5797 HARVEY STREET, SUITE A MUSKEGON, MI 49444 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 9.88% |
| ITEM III TRUST U/W DAVID A SAVULA4 | 480 RIVERHILL DRIVE ATLANTA, GA 30328 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $589 | — | $589 | 4.39% |
| ROBERT J. MCCORMICK III LLC3 | 3053 DER HAVEN DRIVE JENISON, MI 49428 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $185 | $0 | $185 | 1.38% |
| SINDY R. MARVIN3 | 10140 GRANDVIEW SQUARE JOHNS CREEK, GA 30097 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $84 | $0 | $84 | 0.63% |
| STEVEN L. JONES3 | 3182 RIVERVIEW DRIVE NW GRAND RAPIDS, MI 49544 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $34 | $0 | $34 | 0.25% |
| GARRY DAVIES3 | 1526 SCOTT CREEK DRIVE NE BELMONT, MI 49306 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.21% |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 598 | $41K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 455 | $310K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 455 | $310K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 455 | $310K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 455 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.