| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIDBERRY, LERONE3 | 55 EAST JACKSON BLVD CHICAGO, IA 60604 | PRIORITY HEALTH INSURANCE COMPANY | $27K | — | $27K | 4.00% |
| MARK C KENDALL3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 495462395 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | — | $18K | 4.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVE SE GRAND RAPIDS, MA 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.41% |
| SIDBERRY, LERONE3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | PRIORITY HEALTH | $7K | — | $7K | 4.21% |
| MARK C KENDALL3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MA 495462395 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 4.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | — | $810 | $810 | 0.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 14TH FLOOR CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 13.91% |
| JOE FERNANDEZ3 | 4537 SALERNO CIRCLE PLANO, TX 75093 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 20.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE, SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD., FLOOR 14 CHICAGO, IL 60604 | NATIONWIDE | $2K | — | $2K | 13.42% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $355 | — | $355 | 2.24% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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)(5 contracts, 5 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 104 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $101K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $101K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $101K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $101K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $101K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 58 | $565K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.