| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | PO BOX 953 GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $0 | $694 | $694 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST, SW GRANDVILLE, MI 49414 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $29K | $7K | $36K | 10.15% |
| UIT INSURANCE BERENDS HENDRICKS ST3 | 3055 44TH STREET SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | $0 | $39K | 17.44% |
| VANESSA L TORRES3 | 5316 ARLINGTON CIRCLE HANOVER PARK, IL 60133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | $0 | $34K | 15.26% |
| NICOLE DOLPHIN3 | 713 DORROLL ST NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 6.58% |
| SOC LLC WILLIAM JOHNSON & AS3 | 1755 INDIAN LAKES CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 3.22% |
| CHLOE STEFFES3 | SEE PMC GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.88% |
| MARY EVELYN LEGGETT3 Filed as: MARY E LEGGETT | 522 MAPLE ST ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.77% |
| JOY A RYBICKI3 | 71-129TH AVE WAYLAND, MI 49348 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 2.22% |
| MONICA M MILLER3 | 2922 FULLER AVE NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.81% |
| ROBERT L PARSONS3 | 4130 WEST D AVE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.64% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA J GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 48173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.57% |
| RAY W HINKLE3 | 1525 PLYMOUTH AVE SE GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.32% |
| SARAH E MEANY3 | 2710 HAMPSHIRE BLVD. S.E. GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $983 | $0 | $983 | 0.44% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $920 | $0 | $920 | 0.41% |
| RENEE M TRUDEAU3 | 30229 SCHOENHER R ROAD SUITE 100 WARREN, MI 48080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $561 | $0 | $561 | 0.25% |
| EL TORRO INC3 Filed as: EL TORRO INC. | 14031 JOHN HUMPHREY DR ORLAND PARK, IL 60462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $215 | $0 | $215 | 0.10% |
| VANESSA L TORRES3 Filed as: VANESSA TORRES | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | AFLAC | $24K | $2K | $27K | 110.00% |
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 | 875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,381 | $396K |
| Vision | AFLAC | 775 | $24K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 875 | $354K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 875 | $354K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 686 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,381 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.