| 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 | $29K | — | $29K | 1.75% |
| KURT B. SWARDENSKI3 Filed as: KURT SWARDENSKI | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $20K | — | $20K | 1.25% |
| PATRICK DALTON3 | 3055 44TH ST SW PO BOX 953 GRANDVILLE, MI 49418 | PRIORITY HEALTH INSURANCE COMPANY | $3K | — | $3K | 1.69% |
| KURT B. SWARDENSKI3 Filed as: KURT SWARDENSKI | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $2K | — | $2K | 1.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT | 3055 44TH ST SW GRANDVILLE, MI 494680953 | DELTA DENTAL OF MICHIGAN | $4K | $418 | $4K | 3.51% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 4059 STANLEY RD COLUMBIAVILLE, MI 48421 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.57% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $490 | — | $490 | 0.41% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.84% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AG | 3055 44H ST SW GRANDVILLE, MI 49418 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT | PO BOX 953 GRANDVILLE, MI 494680953 | EYEMED VISION CARE | $836 | — | $836 | 5.01% |
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 | 231 | 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) | 231 | 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 | 431 | $121K |
| Vision | EYEMED VISION CARE | 292 | $17K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 231 | $84K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.