| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE OLSON3 | PO BOX 953 GRANDVILLE, MI 49468 | BLUE CARE NETWORK OF MICHIGAN | $32K | $0 | $32K | 2.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | DELTA DENTAL OF MICHIGAN | $12K | $0 | $12K | 10.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $12K | 18.62% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $774 | $774 | 1.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | PO BOX 953 GRANDVILLE, MI 49468 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | AFLAC | $1K | $0 | $1K | 20.15% |
| SARAH E MEANY3 Filed as: SARAH MEANY | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $931 | $0 | $931 | 16.44% |
| MONICA MILLER3 | 675 PRESERVE CIRCLE DRIVE SE APARTMENT 3 GRAND RAPIDS, MI 49548 | AFLAC | $200 | $0 | $200 | 3.53% |
| ROBERT L PARSONS3 Filed as: ROBERT PARSONS | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $10 | $0 | $10 | 0.18% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 329 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 338 | $117K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 240 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $66K |
| Short-term disability | AFLAC | 6 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $66K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 329 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
No prospect flags tripped on this filing.