| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINNEA HOEKWATER3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | PRIORITY HEALTH | $15K | $0 | $15K | 1.34% |
| PATRICK DALTON3 | 3055 44TH STREET SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $8K | $0 | $8K | 0.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 4.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.11% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 WEST KENNEDY BOULEVARD SUITE 850 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 7.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49468 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $831 | $0 | $831 | 4.60% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY MARIE MESSENGER | 41 26TH STREET NORTH BATTLE CREEK, MI 49015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $363 | $0 | $363 | 2.01% |
| EL TORRO INC3 Filed as: EL TORRO, INC. | 5425 MILLS RIDGE DRIVE SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $294 | $0 | $294 | 1.63% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 2643 120TH AVENUE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | $0 | $181 | 1.00% |
| CASSIE MARIE GOODBAND3 Filed as: CASSIE GOODBAND AND OTHER AGENTS | 4623 ROMENCE PORTAGE, MI 49024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | $0 | $148 | 0.82% |
| NANETTE JENNINGS3 Filed as: NANETTE SUE JENNINGS | 65145 NORTH BIG HILL ROAD STURGIS, MI 49091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | $0 | $75 | 0.42% |
| CLIF RAY RENSBERGER3 | 41 HICKORY LANE BATTLE CREEK, MI 49015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | $0 | $72 | 0.40% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 48933 | VISION SERVICE PLAN | $2K | $0 | $2K | 13.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | VISION SERVICE PLAN | $802 | $0 | $802 | 5.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49468 | VISION SERVICE PLAN | $567 | $0 | $567 | 4.14% |
| PATRICK DALTON3 | 3055 44TH STREET SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $129 | $0 | $129 | 2.16% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 237 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 221 | $95K |
| Vision | VISION SERVICE PLAN | 89 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $68K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 237 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.