| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK D DALTON3 | PO BOX 953 GRANDVILLE, MI 49468 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $60K | — | $60K | 1.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS-HENDRICKS-STUIT INS. | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | AMERITAS LIFE INSURANCE CORP | $30K | $6K | $36K | 11.93% |
| BHS INSURANCE3 | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | TRANSAMERICAN LIFE INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| DISABILITY RMS3 | PO BOX 9757 PORTLAND, ME 04104 | TRANSAMERICAN LIFE INSURANCE COMPANY | — | $21K | $21K | 13.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| BHS INSURANCE3 | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| DIABILITY RMS3 | PO BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $6K | $6K | 13.50% |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 926 | $4.4M |
| Vision | AMERITAS LIFE INSURANCE CORP | 460 | $303K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 518 | $105K |
| Short-term disability | TRANSAMERICAN LIFE INSURANCE COMPANY | 518 | $156K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 518 | $45K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 926 | $4.4M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 518 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 926 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.