| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | — | COMPANION LIFE | $15K | — | $15K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AG | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 9.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AG | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.00% |
| HYLANT GROUP INC3 | 85 CAMPAU AVENUE NORTHWEST SUITE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $988 | — | $988 | 6.23% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 1205 LOUISIANA AVENUE SUITE 441 PERRYSBURG, OH 43552 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $583 | — | $583 | 3.67% |
| ASR HEALTH BENEFITS3 | — | SYMETRA | $53 | — | $53 | 3.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 THIRD-PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $161K |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 231 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $171K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $171K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE | 317 | $495K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.