| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNERDS HENDRICKS STUIT INS AGENCY3 | 3055 44TH STREET SE GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 6.22% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.99% |
| BERNERDS HENDRICKS STUIT INS AGENCY3 | 3055 44TH STREET SE GRANDVILLE, MI 49468 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $4K | $17K | 17.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $776 | $776 | 0.80% |
| BERNERDS HENDRICKS STUIT INS AGENCY3 | PO BOX 953 GRANDVILLE, MI 49468 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.98% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 227 | $104K |
| Vision | VISION SERVICE PLAN | 92 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $98K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.