| 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 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $11K | $34K | 9.74% |
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 8.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49468 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 16.03% |
| SARAH E MEANY3 Filed as: SARAH ELIZABETH MEANY | 3746 CHAMBERLAIN AVENUE SE GRAND RAPIDS, MI 49508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 15.78% |
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 295 LAFAYETTE STREET, 7TH FLOOR NEW YORK, NY 10012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 10.09% |
| EL TORRO INC3 Filed as: EL TORRO, INC. | 5425 MILLS RIDGE DRIVE SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 8.05% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 1901 NORTH FAIRVIEW AVENUE LANSING, MI 48912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.96% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM JOHNSON & ASSOCIATES, LLC | 17276 VIOLET RUTH CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | $0 | $201 | 0.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | PO BOX 953 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.03% |
| 323ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | VISION SERVICE PLAN | $3K | $0 | $3K | 4.96% |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 341 | $50K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $347K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $347K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $347K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.