| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $0 | $16K | 13.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $358 | $0 | $358 | 0.30% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 9.11% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INSURANCE AGENCY | 37 OTTAWA AVENUE NW, SUITE 400 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $701 | $0 | $701 | 0.83% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | UNUM INSURANCE COMPANY | $3K | $129 | $3K | 18.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $350 | $42 | $392 | 2.65% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INSURANCE AGENCY INC | 37 OTTAWA AVENUE NW, SUITE 400 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 10.90% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 226 | $85K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 205 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $119K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $119K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $119K |
| Other | UNUM INSURANCE COMPANY | 52 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
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.