| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN A. MASON3 Filed as: SUSAN A MASON | 3055 44TH STREET SW GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $33K | $2K | $35K | 1.89% |
| PREFERRED BENEFITS LLC3 Filed as: PREFERRED BENEFITS INC | SUSAN MASON PO BOX 953 GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 6.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGY INC | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | PO BOX 953 GRANDVILLE, MI 49468 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.31% |
| PREFERRED BENEFITS INC - MI3 Filed as: PREFERRED BENEFITS INC MI #15010432 | 967 SPAULDING AVENUE SOUTHEAST ADA, MI 49301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $363 | — | $363 | 2.54% |
| PREFERRED BENEFITS INC - MI3 | 967 SPAULDING AVENUE SOUTHEAST ADA, MI 49301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $119 | — | $119 | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGY | 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| PREFERRED BENEFITS LLC3 Filed as: PREFERRED BENEFITS INC | C/O BHS INC 3055 44TH STREET SOUTHWEST GRANDVILLE, MI 49418 | HARTFORD LIFE AND ACCIDENT | $721 | — | $721 | 20.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGY INC | PO BOX 953 GRANDVILLE, MI 49468 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $47 | — | $47 | 8.64% |
| PREFERRED BENEFITS INC - MI3 Filed as: PREFERRED BENEFITS INC MI #15010432 | 967 SPAULDING AVENUE SOUTHEAST ADA, MI 49301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11 | — | $11 | 2.02% |
| PREFERRED BENEFITS INC - MI3 | 967 SPAULDING AVENUE SOUTHEAST ADA, MI 49301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1 | — | $1 | 0.18% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 304 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 339 | $123K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 343 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $18K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 304 | $1.8M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.