| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | 618 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MI 49546 | IMG | $40K | — | $40K | 13.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW GRANDVILLE, MI 49418 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 7.75% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | PO BOX 953 GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $12K | — | $12K | 11.08% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $0 | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | PO BOX 953 GRANDVILLE, MI 49468 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.27% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $380 | — | $380 | 2.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 MEDICAL PLAN TPA | Contract Administrator Service code 13 | 618 KENMOOR AVE SE, SUITE 200 GRAND RAPIDS, MI 49546 | $95K |
| BERENDS HENDRICKS STUIT INS AGENCY EIN 38-2555560 AGENT | Insurance agents and brokers Service code 22 | PO BOX 953 GRANDVILLE, MI 49468 | $24K |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 336 | $111K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 336 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 162 | $128K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 162 | $128K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 162 | $128K |
| Stop-loss / reinsurancereinsurance | IMG | 132 | $310K |
| Other | HARTFORD LIFE AND ACCIDENT | 162 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.