| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE OLSON3 | P O BOX 953 GRANDVILLE, MI 494680953 | BLUE CARE NETWORK OF MICHIGAN | $29K | $0 | $29K | 2.08% |
| DEREK TEMPLE3 | 150 OTTAWA AVE. NW STE. 1000 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $11K | $0 | $11K | 0.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS-HENDRICKS-STUIT INS. | 3055 44TH ST SW GRANDVILLE, MI 494189418 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 494680953 | DELTA DENTAL OF MICHIGAN | $10K | $0 | $10K | 8.23% |
| VAN WYK LLC3 Filed as: VAN WYK, LLC | 150 OTTAWA AVE. NW STE. 1000 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH AVE SW GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $867 | $4K | 13.21% |
| VAN WYK LLC3 Filed as: VAN WYK, LLC | 150 OTTAWA AVE. NW STE. 1000 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $599 | — | $599 | 2.17% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $310 | $310 | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $850 | $3K | 15.08% |
| VAN WYK LLC3 Filed as: VAN WYK, LLC | 150 OTTAWA AVE. NW STE. 1000 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $832 | $0 | $832 | 3.65% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $304 | $304 | 1.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDIRCKS STUIT INSURANCE | PO BOX 953 GRANDVILLE, MI 494680953 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $2K | — | $2K | 9.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW GRAND RAPIDS, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $591 | $2K | 10.57% |
| VAN WYK LLC3 Filed as: VAN WYK, LLC | 150 OTTAWA AVE. NW STE. 1000 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $485 | — | $485 | 2.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $211 | $211 | 1.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49418 | AFLAC | $477 | $0 | $477 | 11.72% |
| SARAH E MEANY3 | 4000 PORTAGE ST STE 109 KALAMAZOO, MI 49001 | AFLAC | $367 | $42 | $409 | 10.05% |
| MONICA MILLER3 | 675 PRESERVE CIRCLE DR SE APT 3 GRAND RAPIDS, MI 49548 | AFLAC | $79 | $10 | $89 | 2.19% |
| ROBERT L PARSONS3 Filed as: ROBERT PARSONS | 4000 PORTAGE ST STE 109 KALAMAZOO, MI 49001 | AFLAC | $17 | $10 | $27 | 0.66% |
| WILLIAM JOHNSON & ASSOC LLC3 | 2922 FULLER AVE NE #202 GRAND RAPIDS, MI 49505 | AFLAC | $14 | — | $14 | 0.34% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 334 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 357 | $122K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 253 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $19K |
| Short-term disability | AFLAC | 2 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $28K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 334 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.