| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $26K | $0 | $26K | 2.93% |
| EDWARD R CLINK3 | 5600 NEW KING DRIVE STE 210 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 0.81% |
| DIANE CHRISTENSEN3 | 5600 NEW KING DRIVE STE 210 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $0 | $862 | $862 | 0.10% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 3.24% |
| DIANE CHRISTENSEN3 | 5600 NEW KING DRIVE STE 210 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 1.17% |
| EDWARD R CLINK3 | 5600 NEW KING DRIVE STE 210 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $778 | $778 | 0.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | P.O. BOX 427 BENTON, KY 42025 | GUARDIAN | $5K | $2K | $7K | 6.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD. STE. 2300 TROY, MI 48084 | GUARDIAN | $5K | $302 | $5K | 5.41% |
| TRACY KATZ LLC4 | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $142 | $0 | $142 | 7.11% |
| ALI C SANDERS4 | 37244 S HEATHER CT WESTLAND, MI 48185 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $103 | $0 | $103 | 5.16% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVE SE TROY, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $99 | $0 | $99 | 4.96% |
| SOUTHFIELD BUSINESS CENTER GROUP4 | 203 LANCASTER LN CENTERVILLE, GA 31028 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $40 | $0 | $40 | 2.00% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 145 | $1.1M |
| Dental(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 145 | $1.2M |
| Vision(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 145 | $1.2M |
| Life insurance | GUARDIAN | 134 | $101K |
| Short-term disability | GUARDIAN | 134 | $101K |
| Long-term disability | GUARDIAN | 134 | $101K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 145 | $1.1M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 134 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.