| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TREVOR NIEUWENHUIS3 | 150 OTTAWA AVE NW STE 1000 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $37K | — | $37K | 4.00% |
| ALLIANCE FINANCIAL GROUP3 Filed as: ALLIANCE FINANCIAL & INSURANCE | 423 WEST MAIN STREET LOWELL, MI 49331 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 4.19% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 3.42% |
| VAN WYK LLC DBA VAN WYK RISK SOL.3 | 150 OTTAWA AVENUE NW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $687 | — | $687 | 1.51% |
| ALLIANCE FINANCIAL GROUP3 Filed as: ALLIANCE FINANCIAL & INSURANCE | 423 WEST MAIN STREET LOWELL, MI 49331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.70% |
| VAN WYK, LLC3 Filed as: VAN WYK LLC | 150 OTTAWA AVENUE NW, SUITE 1000 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.26% |
| ALLIANCE FINAN. AND INS. AGENCY LLC3 | 423 WEST MAIN STREET LOWELL, MI 49331 | VISION SERVICE PLAN | $481 | — | $481 | 5.93% |
| VAN WYK, LLC3 Filed as: VAN WYK LLC | 150 OTTAWA AVENUE NW, SUITE 1000 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $332 | — | $332 | 4.10% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 144 | $917K |
| Dental | DELTA DENTAL OF MICHIGAN | 138 | $46K |
| Vision | VISION SERVICE PLAN | 51 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $40K |
| Prescription drug | PRIORITY HEALTH | 144 | $917K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.