| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINA GONZALES3 | 1591 GALBRAITH AVE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $23K | $0 | $23K | 3.02% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $16K | $0 | $16K | 2.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.16% |
| ROBERT S. VANDERVEEN3 Filed as: ROBERT VANDERVEEN | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 3.75% |
| KURT SWARTZ3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $836 | $0 | $836 | 1.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.77% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $821 | $0 | $821 | 3.41% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $361 | $361 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $782 | $782 | 5.65% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $668 | $0 | $668 | 4.82% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $208 | $208 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $914 | $0 | $914 | 6.74% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 410 S UNION ST TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $445 | $0 | $445 | 3.28% |
| CHRISTINA GONZALES3 | 1591 GALBRAITH AVE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $402 | $0 | $402 | 3.30% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $273 | $0 | $273 | 2.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $13 | $13 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $590 | $590 | 6.22% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $413 | $0 | $413 | 4.36% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $142 | $142 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $434 | $0 | $434 | 6.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $325 | $325 | 5.16% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $195 | $0 | $195 | 3.10% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $94 | $94 | 1.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $379 | $0 | $379 | 6.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $353 | $353 | 6.44% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $169 | $0 | $169 | 3.08% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $82 | $82 | 1.50% |
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 | 119 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 153 | $773K |
| Dental | DELTA DENTAL OF MICHIGAN | 178 | $69K |
| Vision | VISION SERVICE PLAN | 90 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $9K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 153 | $773K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.