| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN VAN DE VENTER3 | 56 GRANDVILLE AVE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $37K | — | $37K | 3.06% |
| LIGHTHOUSE GROUP Filed as: LIGHTHOUSE-KEUNING INSURANCE GROUP | 877 E 16TH ST. HOLLAND, MI 49423 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.18% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES | 500 CASCADE WEST PKWY, STE 160 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44TH ST SW GRANDVILLE, MI 49418 | METROPOLITAN LIFE INSURANCE COMPANY | $826 | $41 | $867 | 0.86% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 1115 TAYLOR AVE N STE 112 GRAND RAPIDS, MI 49503 | EYE MED | $969 | — | $969 | 5.67% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 1104 FULLER AVENUE NE GRAND RAPIDS, MI 49503 | EYE MED | $726 | — | $726 | 4.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS | PO BOX 953 GRANDVILLE, MI 494680953 | EYE MED | $263 | — | $263 | 1.54% |
| GLEN VAN DE VENTER3 | 56 GRANDVILLE AVE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $463 | — | $463 | 3.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BRAODMOOR AVE SE GRAND RAPIDS, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $897 | — | $897 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | PO BOX 953 GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $213 | $37 | $250 | 7.66% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | $20 | $132 | 4.05% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH | 423 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $101K |
| Vision | EYE MED | 318 | $17K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $41K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.