| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN RAY GRIFFIN | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT | $19K | — | $19K | 8.65% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BERENDS HENDRICKS AND STUIT | PO BOX 953 GRANDVILLE, MI 49468 | PROVIDENT LIFE AND ACCIDENT | $9K | — | $9K | 4.21% |
| TITAN BENEFIT COMMUNICATIONS LLC | 504 EAST 4TH STREET ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT | $1K | — | $1K | 0.45% |
| STEVEN RAY GRIFFIN | 2000 MORRIS AVE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE | $39K | — | $39K | 17.47% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BERENDS HENDRICKS STUIT | PO BOX 953 GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE | $14K | — | $14K | 6.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT | 3055 44TH ST SW GRANDVILLE, MI 494182501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 8.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT | PO BOX 925 GRANDVILLE, MI 494680953 | EYE MED VISION C/O FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 12.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT | 3055 44TH ST SW GRANDVILLE, MI 494182501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT | 3055 44TH STREET SW GRANDVILLE, MI 494182501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEVE OLSON | Non-monetary compensation; Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers; Other fees Service code 22 | — | $29K |
| BERENDS HENDRICKS STUIT | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation; Other fees Service code 22 | — | $18K |
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 | 815 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED VISION C/O FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,166 | $91K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT | 1,068 | $430K |
| Short-term disability | UNUM LIFE INSURANCE | 796 | $221K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $23K |
| Other | PROVIDENT LIFE AND ACCIDENT | 732 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,166 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.