| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN WYK LLC3 Filed as: VAN WYK, LLC | 150 OTTAWA AVE NW STE 1000 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $19K | — | $19K | 4.25% |
| VAN WYK LLC3 Filed as: VAN WYK, LLC | 150 OTTAWA AVE NW STE 1000 GRAND RAPIDS, MI 49503 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.89% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE PKWY STE 160 GRAND RAPIDS, MI 49546 | STANDARD INSURANCE COMPANY | $901 | — | $901 | 2.97% |
| VAN WYK LLC3 Filed as: VAN WYK, LLC | 150 OTTAWA AVE. NW STE. 1000 GRAND RAPIDS, MI 49503 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| VAN WYK LLC3 Filed as: VAN WYK, LLC | 150 OTTAWA AVE. NW STE. 1000 GRAND RAPIDS, MI 49503 | STANDARD INSURANCE COMPANY | $142 | — | $142 | 10.02% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE PKWY STE 160 GRAND RAPIDS, MI 49546 | STANDARD INSURANCE COMPANY | $43 | — | $43 | 3.03% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 126 | $439K |
| Dental | STANDARD INSURANCE COMPANY | 44 | $30K |
| Vision | STANDARD INSURANCE COMPANY | 44 | $1K |
| Life insurance | STANDARD INSURANCE COMPANY | 108 | $25K |
| Prescription drug | PRIORITY HEALTH | 126 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.