| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $13K | $7K | $20K | 4.89% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $28K | $3K | $32K | 16.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 48418 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $17K | 11.22% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $646 | $129 | $775 | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BERENDS HENDRICKS STUIT INSURANCE | PO BOX 953 GRANDVILLE, MI 49468 | EYEMED VISION CARE | $4K | — | $4K | 9.20% |
| MICHIGAN CHAMBER SERVICES, INC. Filed as: MICHIGAN CHAMBER SERVICES | 600 WALNUT STREET LANSING, MI 48933 | EYEMED VISION CARE | — | $322 | $322 | 0.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49418 | THE HARTFORD | $567 | — | $567 | 14.99% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $106 | — | $106 | 6.29% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $45 | — | $45 | 2.67% |
| NEVEN L FOX3 | 333 BRIDGE ST NW SUITE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN MUTUAL | $14 | $53 | $67 | 5.07% |
| GENE J GILMORE3 | 55 CAMPAU AVE NW SUITE 400 GRAND RAPIDS, MI 49503 | NORTHWESTERN MUTUAL | $4 | $1 | $5 | 0.38% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BERENDS HENDRICKS STUIT INSURANCE | PO BOX 953 GRANDVILLE, MI 49468 | EYEMED VISION CARE | $30 | — | $30 | 9.71% |
| MICHIGAN CHAMBER SERVICES, INC. Filed as: MICHIGAN CHAMBER SERVICES | 600 WALNUT STREET LANSING, MI 48933 | EYEMED VISION CARE | — | $3 | $3 | 0.97% |
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 | 457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | PRIORITY HEALTH | 793 | $243K |
| Dental | DELTA DENTAL OF MICHIGAN | 769 | $356K |
| Vision(3 contracts) | EYEMED VISION CARE | 783 | $49K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 387 | $761K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 387 | $418K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 457 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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.