| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLIVER-VANDYK INS AGENCY INC3 Filed as: OLIVER-VAN DYK INSURANCE | 2780 44TH STREET SW WYOMING, MI 49519 | DELTA DENTAL OF MICHIGAN | $6K | $621 | $7K | 3.30% |
| OLIVER-VANDYK INS AGENCY INC3 Filed as: OLIVER-VAN DYK INSURANCE | 2780 44TH STREET SW WYOMING, MI 49519 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $0 | $28K | 15.00% |
| OLIVER-VANDYK INS AGENCY INC3 Filed as: OLIVER-VAN DYK INSURANCE | 2780 44TH STREET SW WYOMING, MI 49519 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 10.00% |
| ROBERT J. MCCORMICK III LLC4 Filed as: ROBERT J. MCCORMICK III, LLC | 408 CHICAGO DRIVE, UNIT 341 JENISON, MI 49429 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 15.38% |
| BEYOUNCE CARTER4 | 2208 GODWIN AVENUE SE GRAND RAPIDS, MI 49507 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $350 | $0 | $350 | 2.43% |
| GARRY DAVIES4 | 6041 WEST MEADOW DRIVE NE ADA, MI 49301 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $155 | $0 | $155 | 1.08% |
| STEVEN L. JONES4 | 3182 RIVERVIEW DRIVE NW APARTMENT 3A GRAND RAPIDS, MI 49544 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $141 | $0 | $141 | 0.98% |
| STEVEN STABLEIN4 | 2131 DUNNIGAN AVENUE NE GRAND RAPIDS, MI 49525 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $60 | $0 | $60 | 0.42% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 575 | $202K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 430 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $189K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $189K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $189K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.