| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT S. VANDERVEEN3 Filed as: ROBERT S VANDERVEEN | 625 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MI 49546 | PRIORITY HEALTH | $25K | — | $25K | 3.40% |
| BRYAN TAGGART3 | 13900 S WEST BAY SHORE DRIVE TRAVERSE CITY, MI 49684 | PRIORITY HEALTH | $2K | — | $2K | 0.32% |
| WRIGHT & ASSOCIATES INSURANCE GROUP3 Filed as: WRIGHT ASSOCIATES INSURANCE GROUP | 401 W FRONT STREET TRAVERSE CITY, MI 49684 | SECURIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 625 KENMOOR SE SUITE 200 GRAND RAPIDS, MI 49546 | SECURIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.33% |
| ACRISURE LLC3 | 13900 S WEST BAY SHORE DRIVE TRAVERSE CITY, MI 49684 | SECURIAN LIFE INSURANCE COMPANY | $149 | — | $149 | 0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 16253 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | — | $1K | 4.99% |
| ACRISURE LLC3 | 13900 S WEST BAY SHORE DRIVE TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $60 | — | $60 | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $397 | $241 | $638 | 14.66% |
| ACRISURE LLC3 | 13900 S WEST BAY SHORE DRIVE TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38 | — | $38 | 0.87% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 231 | $739K |
| Dental | SECURIAN LIFE INSURANCE COMPANY | 152 | $70K |
| Vision | VISION SERVICE PLAN | 132 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $4K |
| Prescription drug | PRIORITY HEALTH | 231 | $739K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.