| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN A. MASON3 Filed as: SUSAN A MASON | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $46K | — | $46K | 3.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS-HENDRICKS-STUIT INS. | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.36% |
| SUSAN A. MASON3 Filed as: SUSAN A MASON | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 5.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICK STUIT INS AGENCY I | 3055 44TH STREET GRANDVILLE, MI 49418 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 9.89% |
| MMA SERVICE CORP3 | 620 SOUTH CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $296 | $2K | 2.09% |
| BENEFIT PROFILES INC3 | 3358 EAGLE RUN DRIVE NORTHEAST SUITE 3 GRAND RAPIDS, MI 49525 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $10K | 26.37% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $528 | $528 | 1.33% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $293 | $3K | 14.49% |
| BEHRENDS HENDRICKS STUIT INS AGY IN3 Filed as: BEHRENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 15.91% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $283 | $283 | 1.23% |
| BEHRENDS HENDRICKS STUIT INSURANCE3 | PO BOX 953 GRANDVILLE, MI 49468 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 160 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $77K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 188 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $23K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 22 | $118K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.