| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT BLOEM3 | 3055 44TH STREET GRANDVILLE, MI 494180295 | PRIORITY HEALTH | $66K | — | $66K | 4.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | SCOTT BLOEM 3055 44TH ST SW GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 7.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49418 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 17.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49418 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 17.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49418 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 17.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | PO BOX 953 GRANDVILLE, MI 49468 | VISION SERVICE PLAN | $835 | — | $835 | 6.74% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $25 | — | $25 | 0.20% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 358 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 159 | $57K |
| Vision | VISION SERVICE PLAN | 62 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 148 | $52K |
| Short-term disability | STANDARD INSURANCE COMPANY | 148 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 148 | $29K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.