| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN ROOT3 Filed as: RYAN S. ROOT | 3055 44TH STREET SW GRANDVILLE, MI 49468 | BLUE CARE NETWORK OF MICHIGAN | $41K | $0 | $41K | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 2055 44TH STREET SW GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 7.13% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PARKWAY GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $1K | $106 | $2K | 2.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 2055 44TH STREET SW GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 18.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 2055 44TH STREET SW GRANDVILLE, MI 49418 | AFLAC | $403 | $0 | $403 | 3.98% |
| LEANN P DAVIDSON3 Filed as: LEANN P. DAVIDSON | 204 WEST SKEELS ROAD MONTAGUE, MI 49437 | AFLAC | $326 | $0 | $326 | 3.22% |
| SARAH E MEANY3 Filed as: SARAH E. MEANY | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $301 | $8 | $309 | 3.05% |
| MJ INSURANCE3 Filed as: ANDREW K. GLAUB AND VARIOUS AGENTS | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $251 | $0 | $251 | 2.48% |
| WILLIAM DAVID BARHAM3 | 2039 RAMBLING OAK DRIVE MUSKEGON, MI 49445 | AFLAC | $108 | $0 | $108 | 1.07% |
| MONICA MILLER3 | 675 PRESERVE CIRCLE DRIVE SE APARTMENT 3 GRAND RAPIDS, MI 49548 | AFLAC | $63 | $2 | $65 | 0.64% |
| LAURA ANN DILLIVAN3 | 1545 COLE AVENUE NE GRAND RAPIDS, MI 49505 | AFLAC | $54 | $0 | $54 | 0.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | PO BOX 953 GRANDVILLE, MI 49468 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $989 | $0 | $989 | 10.12% |
| RYAN ROOT3 Filed as: RYAN S. ROOT | 3055 44TH STREET SW GRANDVILLE, MI 49468 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $479 | $0 | $479 | 5.56% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 215 | $826K |
| Dental | DELTA DENTAL OF MICHIGAN | 155 | $54K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 156 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $26K |
| Short-term disability | AFLAC | 20 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $26K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 215 | $826K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.