| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALERIE MCCOY3 | 148 SOUTH RIVER AVENUE, SUITE 300 HOLLAND, MI 49423 | BLUE CARE NETWORK OF MICHIGAN | $20K | $0 | $20K | 1.70% |
| MAX RISPLER3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $18K | $0 | $18K | 1.51% |
| MERIT BENEFIT ADVISORS, LLC3 | 148 SOUTH RIVER AVENUE SUITE 300 HOLLAND, MI 49423 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 3.27% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PARKWAY GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.48% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $893 | — | $893 | 1.17% |
| MERIT BENEFIT ADVISORS, LLC3 | 4370 CHICAGO DRIVE SW #106 GRANDVILLE, MI 49418 | DELTA DENTAL OF MICHIGAN | $311 | — | $311 | 0.41% |
| 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. | $1K | — | $1K | 10.85% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 40 PEARL STREET NW, SUITE 700 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 10.80% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 10.32% |
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 | 92 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 203 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 216 | $76K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 189 | $10K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 203 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.