| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN ROOT3 Filed as: RYAN S ROOT | 3055 44TH ST SW GRANDVILLE, MI 494182501 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 2.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST SW GRANDVILLE, MI 494182501 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $948 | $948 | 0.13% |
| RYAN ROOT3 Filed as: RYAN S ROOT | 3055 44TH ST SW GRANDVILLE, MI 494182501 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 6.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST SW GRANDVILLE, MI 494182501 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $556 | $6K | 17.63% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $305 | $62 | $367 | 1.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | PO BOX 953 GRANDVILLE, MI 494182501 | VISION SERVICE PLAN | $991 | — | $991 | 6.13% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $81 | — | $81 | 0.50% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 102 | $732K |
| Dental | DELTA DENTAL OF MICHIGAN | 131 | $48K |
| Vision | VISION SERVICE PLAN | 88 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $36K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $36K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 102 | $732K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.