| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 5.78% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP, DBA SYMPL BENEFITS | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | DELTA DENTAL OF MICHIGAN | $474 | — | $474 | 0.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST. SW GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $378 | $3K | 17.10% |
| SYMPL BENEFITS INSURANCE AGENCY3 | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $231 | — | $231 | 1.23% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $108 | $108 | 0.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST. SW GRANDVILLE, MI 49418 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 8.55% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP, DBA SYMPL BENEFITS | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $90 | — | $90 | 0.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH ST. SW GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $332 | $3K | 17.24% |
| SYMPL BENEFITS INSURANCE AGENCY3 | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $191 | — | $191 | 1.17% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $89 | $89 | 0.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $211 | $1K | 12.12% |
| SYMPL BENEFITS INSURANCE AGENCY3 | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89 | — | $89 | 0.85% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $62 | $62 | 0.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49468 | UNUM INSURANCE COMPANY | $977 | $210 | $1K | 16.64% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $44 | $44 | 0.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49468 | UNUM INSURANCE COMPANY | $755 | $101 | $856 | 17.14% |
| SYMPL BENEFITS INSURANCE AGENCY3 | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | UNUM INSURANCE COMPANY | $74 | — | $74 | 1.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $34 | $34 | 0.68% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 251 | $102K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 202 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $29K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $16K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.