| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBEKAH VANBEEK3 | 2780 44TH STREET SW WYOMING, MI 49519 | PRIORITY HEALTH | $14K | $0 | $14K | 3.37% |
| RYAN ROOT3 | 3055 44TH STREET SW GRANDVILLE, MI 49418 | PRIORITY HEALTH | $3K | $0 | $3K | 0.65% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INS. AGENCY, INC. | 2780 44TH STREET SW WYOMING, MI 49519 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 5.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | PO BOX 953 GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $400 | $0 | $400 | 1.00% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INS. AGENCY, INC. | 2780 44TH STREET SW WYOMING, MI 49519 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $231 | $3K | 11.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44H STREET SW GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $964 | $167 | $1K | 4.46% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INS. AGENCY, INC. | 37 OTTAWA AVENUE NW, SUITE 400 GRAND RAPIDS, MI 49509 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $957 | $101 | $1K | 4.17% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INS. AGENCY, INC. | 37 OTTAWA AVENUE NW, SUITE 400 GRAND RAPIDS, MI 49509 | UNUM INSURANCE COMPANY | $588 | $82 | $670 | 7.18% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INS. AGENCY, INC. | 2780 44TH STREET SW WYOMING, MI 49519 | UNUM INSURANCE COMPANY | $518 | $43 | $561 | 6.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INSURANCE | 3055 44H STREET SW GRANDVILLE, MI 49468 | UNUM INSURANCE COMPANY | $183 | $26 | $209 | 2.24% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INS. AGENCY, INC. | 2780 44TH STREET SW WYOMING, MI 49519 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $503 | $0 | $503 | 8.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | PO BOX 953 GRANDVILLE, MI 49468 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $97 | $0 | $97 | 1.56% |
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 | 91 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 121 | $402K |
| Dental | DELTA DENTAL OF MICHIGAN | 130 | $40K |
| Vision | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 117 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $25K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $25K |
| Prescription drug | PRIORITY HEALTH | 121 | $402K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.