| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEHRENDS HENDRICKS STUIT INS AGY IN3 Filed as: BEHRENDS HENDRICKS STUIT INS AG | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $3K | $8K | 11.67% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PARKWAY SOUTHEAST SUITE 160 GRAND RAPIDS, MA 49546 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 5.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 19.69% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PARKWAY SOUTHEAST SUITE 160 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICK STUIT INS AGY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 20.00% |
| BEHRENDS HENDRICKS STUIT INSURANCE3 | PO BOX 953 GRANDVILLE, MI 49468 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.65% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 115 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 217 | $11K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $86K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $86K |
| Stop-loss / reinsurancereinsurance | ARDELLIS INSURANCE LTD | 93 | $224K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.