| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 2.53% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $22K | $22K | 1.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGY INC | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 12.03% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGY INC | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 7.35% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $866 | — | $866 | 1.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGY INC | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 15.93% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGY INC | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.79% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGY INC | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 16.30% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | PO BOX 953 GRANDVILLE, MI 49468 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 5.78% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | STARMOUNT LIFE INSURANCE COMPANY | $869 | — | $869 | 4.22% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $70K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 165 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $100K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $38K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.