| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALERIE MCCOY3 | 148 SOUTH RIVER AVENUE, SUITE 300 HOLLAND, MI 49423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $0 | $22K | 2.86% |
| MERIT BENEFIT ADVISORS LLC3 Filed as: MERIT BENEFIT ADVISORS | 148 SOUTH RIVER AVENUE, SUITE 300 HOLLAND, MI 49423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $580 | $580 | 0.08% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE 101 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $125 | $0 | $125 | 0.02% |
| VALERIE MCCOY3 | 148 SOUTH RIVER AVENUE, SUITE 300 HOLLAND, MI 49423 | BLUE CARE NETWORK OF MICHIGAN | $10K | $0 | $10K | 2.94% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE 101 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $758 | $0 | $758 | 0.23% |
| VALERIE MCCOY3 | 148 SOUTH RIVER AVENUE, SUITE 300 HOLLAND, MI 49423 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 6.17% |
| DOMINIC SICILIANO3 | 500 CASCADE WEST PARKWAY GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | $164 | $2K | 3.19% |
| MERIT BENEFIT ADVISORS LLC3 Filed as: MERIT BENEFIT ADVISORS | 148 SOUTH RIVER AVENUE, SUITE 300 HOLLAND, MI 49423 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $536 | $0 | $536 | 5.17% |
| MERIT BENEFIT ADVISORS LLC3 Filed as: MERIT BENEFIT ADVISORS | 5380 CASCADE ROAD, SUITE 300 GRAND RAPIDS, MI 49546 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $495 | $0 | $495 | 4.78% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 116 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 201 | $72K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 168 | $10K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 116 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
No prospect flags tripped on this filing.