| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN SAINT LOUIS, MI 48880 | BLUE CARE NETWORK OF MICHIGAN | $12K | $0 | $12K | 4.25% |
| UNKNOWN3 | UNKNOWN SAINT LOUIS, MI 48880 | BLUE CARE NETWORK OF MICHIGAN | $809 | $0 | $809 | 0.29% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $6K | $0 | $6K | 3.64% |
| OLIVER-VANDYK INS AGENCY INC3 Filed as: OLIVER VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 7.43% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PARKWAY SE SUITE 160 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $912 | $86 | $998 | 2.20% |
| OLIVER-VANDYK INS AGENCY INC3 Filed as: OLIVER VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | VISION SERVICE PLAN | $844 | $0 | $844 | 6.89% |
| VANBEEK REBEKAH3 | 2780 44TH STREET SW WYOMING, MI 49519 | KANSAS CITY LIFE INSURANCE COMPANY | $437 | $0 | $437 | 9.41% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 71 | $449K |
| Dental | DELTA DENTAL OF MICHIGAN | 153 | $45K |
| Vision | VISION SERVICE PLAN | 83 | $12K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 136 | $5K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 71 | $449K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 136 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.