| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARNDT, PHILIP3 | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49468 | PRIORITY HEALTH | $43K | — | $43K | 4.05% |
| ARNDT, PHILIP3 | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49468 | PRIORITY HEALTH INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| BHS INSURANCE3 | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $297 | $5K | 6.01% |
| MMA SERVICE CORP3 | 620 SOUTH CAPITAL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 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 | $4K | $2K | $6K | 14.61% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $420 | $420 | 0.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 18.67% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $351 | $351 | 0.97% |
| 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 | $1K | $3K | 14.49% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $215 | $215 | 0.93% |
| 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 | $740 | $2K | 14.36% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $154 | $154 | 0.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | PO BOX 953 GRANDVILLE, MI 49468 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $629 | $284 | $913 | 14.52% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $59 | $59 | 0.94% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 280 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $86K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 246 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $42K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $44K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.