| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | 3055 44TH ST SW GRANDVILLE, MI 49418 | TOTAL HEALTH CARE USA INC | $12K | — | $12K | 4.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | 3055 44TH ST SW GRANDVILLE, MI 49468 | PRIORITY HEALTH | $3K | — | $3K | 4.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | 3055 44TH ST SW GRANDVILLE, MI 49418 | AMERITAS | $2K | — | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | 3055 44TH ST SW GRANDVILLE, MI 49418 | MUTUAL OF OMAHA | $1K | $611 | $2K | 15.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | 3055 44TH ST SW GRANDVILLE, MI 49418 | MUTUAL OF OMAHA | $2K | $1K | $3K | 24.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | PO BOX 953 GRANDVILLE, MI 494680953 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $806 | — | $806 | 10.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | 3055 44TH ST SW GRANDVILLE, MI 49418 | MUTUAL OF OMAHA | $494 | $233 | $727 | 14.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE A | 3055 44TH ST SW GRANDVILLE, MI 49418 | MUTUAL OF OMAHA | $383 | $203 | $586 | 15.29% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 52 | $276K |
| Dental | AMERITAS | 77 | $37K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA INC | 83 | $277K |
| Life insurance | MUTUAL OF OMAHA | 133 | $5K |
| Long-term disability | MUTUAL OF OMAHA | 133 | $12K |
| Prescription drug | TOTAL HEALTH CARE USA INC | 56 | $269K |
| Other(2 contracts) | MUTUAL OF OMAHA | 51 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.