| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINNEA L. HOEKWATER3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $67K | — | $67K | 5.76% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 1.14% |
| UNKNOWN3 | UNKNOWN SPRING LAKE, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $340 | $340 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $582 | $9K | 10.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 830 PLEASANT STREET, SUITE 101 SAINT JOSEPH, MI 49085 | COMPANION LIFE INSURANCE COMPANY | $157K | $16 | $157K | 967.17% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD SE, SUITE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $704 | — | $704 | 4.35% |
| AGENT ALLIANCE CORPORATION3 | 4500 CASCADE ROAD SE, SUITE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $78 | — | $78 | 0.48% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 321 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 321 | $1.2M |
| Vision | COMPANION LIFE INSURANCE COMPANY | 93 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $80K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 321 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.