| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK DALTON3 | 3055 44TH ST SW PO BOX 953 GRANDVILLE, MI 49468 | PRIORITY HEALTH INSURANCE COMPANY | $48K | — | $48K | 3.00% |
| PATRICK DALTON3 | 3055 44TH ST SW PO BOX 953 GRANDVILLE, MI 49418 | PRIORITY HEALTH INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT | PO BOX 953 GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $6K | $662 | $6K | 5.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT | 3055 44TH ST SW GRANDVILLE, MI 49418 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $198 | $9K | 10.57% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BERENDS HENDRICKS STUIT INS AG | 3055 44H ST SW GRANDVILLE, MI 49418 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT | PO BOX 953 GRANDVILLE, MI 49468 | VISION SERVICE PLAN | $1K | — | $1K | 4.73% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH INSURANCE COMPANY | 360 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 427 | $119K |
| Vision | VISION SERVICE PLAN | 118 | $29K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 397 | $84K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $58K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 397 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
No prospect flags tripped on this filing.