| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DALTON, PATRICK3 | 3055 44TH ST SW PO BOX 953 GRANDVILLE, MI 49468 | PRIORITY HEALTH INSURANCE COMPANY | $12K | — | $12K | 4.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 494680953 | DELTA DENTAL | $68 | — | $68 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49418 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49418 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49418 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | PO BOX 953 GRANDVILLE, MI 49468 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.03% |
| JOHN B. WEESIE3 Filed as: JOHN J PERRAS | 99 MONROE AVE NW SUITE 700 GRAND RAPIDS, MI 49503 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $71 | — | $71 | 1.50% |
| WILLIAM FERGUSON3 Filed as: WILLIAM GORDON MCPHERSON | 99 MONROE AVE NW SUITE 700 GRAND RAPIDS, MI 49503 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.51% |
| HILB GROUP OF NEW ENGLAND Filed as: HILB ROGAL & HOBBS OF GRAND RAPIDS | PO BOX 2128 GRAND RAPIDS, MI 49501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 9.99% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 215 | $258K |
| Dental | DELTA DENTAL | 238 | $88K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 236 | $12K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 98 | $76K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 98 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.