| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN ROOT3 | 3055 44TH STREET SW GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $108K | $0 | $108K | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $6K | $6K | 0.16% |
| RYAN ROOT3 | 3055 44TH STREET SW GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $32K | $0 | $32K | 2.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.16% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PARKWAY SE SUITE 160 GRAND RAPIDS, MI 49546 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | $0 | $41K | 5.00% |
| THE CASON GROUP INC3 | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $0 | $38K | 4.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 2.07% |
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 | 882 | 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) | 882 | 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 | 793 | $4.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 882 | $824K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 882 | $824K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 882 | $824K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 882 | $824K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 882 | $824K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 793 | $4.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 882 | $824K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 882 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.