| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN T. PYLMAN3 Filed as: RYAN PYLMAN | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | PRIORITY HEALTH | $29K | $0 | $29K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 7.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 1190 TORREY ROAD FENTON, MI 48430 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 19.21% |
| BUITEN AND ASSOCIATES, LLC3 | 5738 FOREMOST DRIVE GRAND RAPIDS, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 23.78% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUENING INS. GROUP, INC | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 10.19% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES, INC. | 27064 OAKMEAD DRIVE COLUMBUS, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.05% |
| ASSUREDPARTNERS3 | 1105 SCHROCK ROAD, SUITE 500 PERRYSBRUGH, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $396 | $0 | $396 | 1.43% |
| BUITEN AND ASSOCIATES, LLC3 | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 11.14% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUENING INS. GROUP, INC | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $309 | $0 | $309 | 1.94% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 183 | $976K |
| Dental | DELTA DENTAL OF MICHIGAN | 220 | $80K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 400 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $51K |
| Prescription drug | PRIORITY HEALTH | 183 | $976K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
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.