| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP ARNDT3 Filed as: PHILIP W ARNDT | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $167K | — | $167K | 2.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $12K | — | $12K | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AG | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 9.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 4.59% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 1,085 | $5.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,115 | $400K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,089 | $64K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 457 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 457 | $151K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 457 | $151K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 457 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,115 | — |
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.
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.