| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $12K | $0 | $12K | 4.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 29.09% |
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFITS CONSULTING LLC | 30600 TELEGRAPH ROAD, SUITE 1225 BINGHAM FARMS, MI 48025 | UNITEDHEALTHCARE INSURANCE COMPANY | -$39 | $0 | -$39 | -0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.28% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.10% |
| FINANCIAL DESIGNS INC3 Filed as: FINANCIAL DESIGNS, INC. | 39500 HIGH POINTE BOULEVARD SUITE 400 NOVI, MI 48375 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.09% |
| JEREMY SAMPSEL3 | 401 HALL STREET SOUTHWEST GRAND RAPIDS, MI 49503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $118 | $184 | 3.86% |
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFITS CONSULTING | 30600 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 2.56% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $1 | $114 | 2.39% |
| MJ INSURANCE3 Filed as: ROBIN BASIL AND VARIOUS AGENTS | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 40825 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $97 | $5 | $102 | 2.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 392 TRAVERSE CITY, MI 49685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $5 | $67 | 1.41% |
| DIANNA LYNN ATCHISON3 | 225 EAST DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $2 | $53 | 1.11% |
| BRAD SCOFFIN3 | 7976 EAST U AVENUE VICKSBURG, MI 49097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.69% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 65 | $261K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 59 | $41K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 59 | $41K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 184 | $36K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 184 | $41K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 184 | $36K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 185 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
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.