| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | PO BOX 953 3055 44TH STREET SW GRANDVILLE, MI 49418 | GUARDIAN | $18K | — | $18K | 9.38% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW GRANDVILLE, MI 494680953 | DELTA DENTAL OF MICHIGAN | — | $700 | $700 | 4.60% |
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 | 639 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 604 | $583K |
| Dental | DELTA DENTAL OF MICHIGAN | 639 | $15K |
| Life insurance | GUARDIAN | 427 | $187K |
| Long-term disability | GUARDIAN | 427 | $187K |
| Prescription drug | PRIORITY HEALTH INSURANCE COMPANY | 604 | $583K |
| Stop-loss / reinsurancereinsurance | PRIORITY HEALTH INSURANCE COMPANY | 604 | $583K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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."
No prospect flags tripped on this filing.