| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW PO BOX 953 GRANDVILLE, MI 494680953 | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 2.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW PO BOX 953 GRANDVILLE, MI 494680953 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 2.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW PO BOX 952 GRANDVILLE, MI 494680953 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.25% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $863 | — | $863 | 1.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW PO BOX 953 GRANDVILLE, MI 494680953 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $10K | 14.14% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW PO BOX 953 GRANDVILLE, MI 494680953 | FIDELITY SECURITY LIFE INS CO | $919 | — | $919 | 7.42% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INS CO | $157 | — | $157 | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW PO BOX 953 GRANDVILLE, MI 494680953 | VISION SERVICE PLAN | $559 | — | $559 | 9.04% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 260 | $453K |
| Dental | DELTA DENTAL OF MICHIGAN | 358 | $84K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INS CO | 343 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $68K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 260 | $453K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.