| 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 | $26K | $0 | $26K | 2.90% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 3358 EAGLE RUN DRIVE NE SUITE 3 GRAND RAPIDS, MI 49525 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.00% |
| MERIT BENEFIT ADVISORS LLC3 Filed as: MERIT BENEFIT ADVISORS, LLC. | 148 SOUTH RIVER AVENUE SUITE 300 HOLLAND, MI 49423 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.85% |
| MERIT BENEFIT ADVISORS LLC3 Filed as: MERIT BENEFIT ADVISORS, LLC. | 148 SOUTH RIVER AVENUE SUITE 300 HOLLAND, MI 49423 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 4.92% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PARKWAY GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 3.02% |
| MERIT BENEFIT ADVISORS LLC3 Filed as: MERIT BENEFIT ADVISORS, LLC. | 148 SOUTH RIVER AVENUE SUITE 300 HOLLAND, MI 49423 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $2K | $0 | $2K | 6.93% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 3358 EAGLE RUN DRIVE NE SUITE 3 GRAND RAPIDS, MI 49525 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $915 | $0 | $915 | 3.47% |
| MERIT BENEFIT ADVISORS LLC3 Filed as: MERIT BENEFIT ADVISORS, LLC. | 5380 CASCADE ROAD SUITE 300 GRAND RAPIDS, MI 49546 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $1 | $0 | $1 | 0.00% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 146 | $911K |
| Dental | DELTA DENTAL OF MICHIGAN | 206 | $67K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 178 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $119K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $119K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $119K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 146 | $911K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.