| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN ROOT3 | 3055 44TH SW GRANDVILLE, MI 494689468 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 2.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS-HENDRICKS-STUIT INS. | 3055 44TH STREET SW GRANDVILLE, MI 494189418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.18% |
| GREGORY CHRISTIE3 Filed as: GREGORY HEERES | BERENDS HENDRICKS STUIT INS AGENCY PO BOX 953 GRANDVILLE, MI 494680953 | DELTA DENTAL OF MICHIGAN | $2K | $56 | $2K | 4.17% |
| RYAN ROOT3 | BERENDS HENDRICKS STUIT INS AGENCY PO BOX 953 GRANDVILLE, MI 494680953 | DELTA DENTAL OF MICHIGAN | $816 | — | $816 | 1.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW GRANDVILLE, MI 494182501 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $361 | $5K | 16.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | PO BOX 953 GRANDVILLE, MI 494680953 | VISION SERVICE PLAN | $850 | — | $850 | 5.96% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $66 | — | $66 | 0.46% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 84 | $606K |
| Dental | DELTA DENTAL OF MICHIGAN | 105 | $47K |
| Vision | VISION SERVICE PLAN | 74 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $29K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 84 | $606K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.