| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 3.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 20.05% |
| ASSUREDPARTNERS3 Filed as: HIO, LLC ASSUREDPARTNERS OF O | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.58% |
| STRATEGIC SERVICES G3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $687 | — | $687 | 0.66% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 EAST BIG BEAVER ROAD SUITE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $3K | $20K | 34.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 10.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 22.17% |
| INSURANCE CONSULTANT SERVICES3 | 101 E. BIG BEAVER RD SUITE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $523 | $523 | 5.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $890 | — | $890 | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $352 | $352 | 5.93% |
| GREGORY J LIPOSKY4 | SUITE 260 5435 CORPORATE DRIVE TROY, MI 48098 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $604 | — | $604 | 10.52% |
| AES LLC DBA STRATEGIC ENROLLMENT SE4 | 27064 OAKMED DRIVE PERRYSBURG, OH 43551 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $78 | — | $78 | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 61694 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $70 | — | $70 | 1.22% |
| KELLY M TIMMONS4 | 56657 SCOTLAND BOULEVARD SHELBY TOWNSHIP, MI 48316 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | — | $37 | 0.64% |
| MONTEAL R BROWNE4 | 27416 SUTHERLAND STREET SOUTHFIELD, MI 48076 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | — | $31 | 0.54% |
| GREGORY J LIPOSKY3 | 5919 MILLER WAY E BLOOMFIELD TOWNSHIP, MI 48301 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $604 | — | $604 | 10.52% |
| AES LLC DBA STRATEGIC ENROLLMENT SE3 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $78 | — | $78 | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 61694 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $70 | — | $70 | 1.22% |
| KELLY M TIMMONS3 | 617 TIMOTHY LANE APT 101 ROCHESTER, MI 48307 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | — | $37 | 0.64% |
| MONTREAL R BROWNE3 | 27416 SUTHERLAND ST SOUTHFIELD, MI 48076 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | — | $31 | 0.54% |
| GREGORY J LIPOSKY4 | SUITE 260 5435 CORPORATE DRIVE TROY, MI 48098 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | — | $0 | 0.00% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $889K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $72K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $6K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 192 | $150K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 61 | $23K |
| Other(6 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 191 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.