| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP ARNDT3 Filed as: PHILIP W ARNDT | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $22K | — | $22K | 2.82% |
| AFFILIATED AGENCIES LLC3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48480 | BLUE CARE NETWORK OF MICHIGAN | — | $605 | $605 | 0.08% |
| PHILIP ARNDT3 Filed as: PHILIP W ARNDT | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 3.02% |
| AFFILIATED AGENCIES LLC3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48480 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $61 | $61 | 0.08% |
| BHS INSURANCE3 | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.42% |
| MMA SERVICE CORP3 | 620 SOUTH CAPITAL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $856 | $3K | 14.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $956 | $2K | 17.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | PO BOX 953 GRANDVILLE, MI 49468 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.53% |
| CUSTOM BENEFITS INSURANCE GROUP INC3 | 4204 MARTIN ROAD WALLED LAKE, MI 48390 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $969 | — | $969 | 8.60% |
| CUSTOM BENEFITS INSURANCE GROUP INC3 | 4204 MARTIN ROAD SUITE A AND B WALLED LAKE, MI 48390 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $193 | — | $193 | 1.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $474 | $235 | $709 | 14.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2010.23% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 230 | $861K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $62K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 202 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $33K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $34K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 230 | $861K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
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.