| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD H PHILLIPS3 | 833 KENMOOR SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | PRIORITY HEALTH | $55K | — | $55K | 4.00% |
| SWANSON-PHILLIPS & ASSOC3 Filed as: SWANSON-PHILLIPS & ASSOCIATES | 833 KENMOOR AVENUE SOUTHEAST #B GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 3.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $4K | 9.75% |
| SWANSON-PHILLIPS & ASSOC3 | 833 KENMOOR AVENUE SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.94% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $521 | $521 | 1.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $943 | $2K | $3K | 9.46% |
| SWANSON-PHILLIPS & ASSOC3 | 833 KENMOOR AVENUE SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.63% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $378 | $378 | 1.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 12.29% |
| SWANSON-PHILLIPS & ASSOC3 | 833 KENMOOR AVENUE SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.78% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $334 | $334 | 1.26% |
| SWANSON-PHILLIPS & ASSOC3 Filed as: SWANSON-PHILLIPS & ASSOCIATES, LLC | 833 KENMOOR AVENUE SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $758 | — | $758 | 4.03% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 3358 EAGLE RUN DRIVE NORTHEAST 3 I GRAND RAPIDS, MI 49525 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $637 | — | $637 | 3.38% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 500 CASCADE ROAD #160 GRAND RAPIDS, MI 49546 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $314 | — | $314 | 1.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $362 | $533 | $895 | 10.00% |
| SWANSON-PHILLIPS & ASSOC3 | 833 KENMOOR AVENUE SOUTHEAST SUITE H GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $533 | — | $533 | 5.96% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $111 | $111 | 1.24% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 276 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 291 | $78K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 248 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $29K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.