| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP ARNDT3 | 3055 44TH ST. SW GRANDVILLE, MI 49468 | PRIORITY HEALTH | $123K | — | $123K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | P.O. BOX 953 GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $15K | — | $15K | 4.66% |
| PHILIP ARNDT3 | 3055 44TH ST. SW GRANDVILLE, MI 49468 | PRIORITY HEALTH | $3K | — | $3K | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST. SW GRANDVILLE, MI 49418 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 11.74% |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH | 940 | $4.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 925 | $319K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $100K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $100K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $100K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.