| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST SW GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $8K | $18K | 4.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST SW PO BOX 953 GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $11K | $0 | $11K | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST SW GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $4K | $31K | 17.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $18K | $26K | 15.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST SW GRANDVILLE, MI 49418 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST SW PO BOX 953 GRANDVILLE, MI 49418 | EYEMED - FIDELITY SECUIRTY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.80% |
| NEVEN FOX3 | 333 BRIDGE ST NW STE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN MUTUAL | $32 | $312 | $344 | 3.51% |
| JOHN FOLKERT3 | 333 BRIDGE ST NW STE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN MUTUAL | $0 | $31 | $31 | 0.32% |
| GENE J GILMORE3 | 55 CAMPEAU AVE NW STE 400 GRAND RAPIDS, MI 49503 | NORTHWESTERN MUTUAL | $11 | $3 | $14 | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST SW GRANDVILLE, MI 49418 | HARTFORD LIFE AND ACCIDENT | $567 | — | $567 | 15.01% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102 | $0 | $102 | 6.05% |
| SMITH, THOMAS, CHRISTOPHER Filed as: SMITH, THOMAS CHRISTOPHER | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 2.61% |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 771 | $736K |
| Dental | DELTA DENTAL OF MICHIGAN | 764 | $386K |
| Vision | EYEMED - FIDELITY SECUIRTY LIFE INSURANCE COMPANY | 781 | $56K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 393 | $754K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 393 | $417K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 393 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.