| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS | 3055 44TH STREET SW GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 5.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STRUIT INS | 3055 44TH STREET SW GRANDVILLE, MI 49418 | TOTAL HEALTH CARE USA INC | $15K | — | $15K | 4.29% |
| BREENDS HENDRICKS STUIT INS AGENCY3 | 3055 44TH ST SW GRANDVILLE, MI 49418 | MUTUAL OF OMAHA LIFE INSURANCE COMAPNY | $9K | $870 | $10K | 13.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENRICKS STUIT INS AGENCY | PO BOX 963 GRANDVILLE, MI 49468 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.89% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 82 | $362K |
| Dental | MUTUAL OF OMAHA LIFE INSURANCE COMAPNY | 205 | $74K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA INC | 162 | $359K |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMAPNY | 205 | $74K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMAPNY | 205 | $74K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMAPNY | 205 | $74K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 105 | $708K |
| Other | MUTUAL OF OMAHA LIFE INSURANCE COMAPNY | 205 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.