| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE OLSON3 | P.O. BOX 953 GRANDVILLE, MI 494680953 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | — | $22K | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS | P.O. BOX 953 GRANDVILLE, MI 494680953 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.12% |
| STEVE OLSON3 | P.O. BOX 953 GRANDVILLE, MI 49468 | BLUE CARE NETWORK OF MICHIGAN | $23K | — | $23K | 1.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | P.O. BOX 953 GRANDVILLE, MI 494680953 | BLUE CARE NETWORK OF MICHIGAN | $0 | $3K | $3K | 0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT | P.O. BOX 953 GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $13K | — | $13K | 5.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENRICKS STUIT INS AGENCY | P.O. BOX 953 GRANDVILLE, MI 49468 | VISION SERVICE PLAN | $2K | — | $2K | 4.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | P.O. BOX 953 GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $538 | $5K | 16.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | P.O. BOX 953 3055 44TH STREET SW GRANDVILLE, MI 494680953 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 609 | $3.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 764 | $224K |
| Vision | VISION SERVICE PLAN | 281 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 45 | $31K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 74 | $13K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 609 | $3.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 45 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.