| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KATHERINE A. BOCKHEIM3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $39K | $0 | $39K | 1.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | $17K | $31K | 1.11% |
| ROBERT S. VANDERVEEN3 | 1591 GALBRAITH AVENUE SE MICHIGAN, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | $0 | $29K | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $6K | $4K | $10K | 1.89% |
| KATHERINE A. BOCKHEIM3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 1.31% |
| ROBERT S. VANDERVEEN3 | 1591 GALBRAITH AVENUE SE MICHIGAN, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $5K | $0 | $5K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 939 BURLINGTON, NC 27216 | DELTA DENTAL OF MICHIGAN | $10K | $421 | $11K | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD SUITE 14B CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $13K | $40K | 20.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | BANK OF AMERICA CHICAGO, IL 60693 | EYEMED | $3K | $0 | $3K | 6.70% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES | 600 SOUTH WALNUT STREET LANSING, MI 48933 | EYEMED | $2K | $0 | $2K | 4.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 2167 GRAND RAPIDS, MI 49501 | EYEMED | $1K | $0 | $1K | 2.46% |
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 | 497 | 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) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 601 | $3.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 704 | $212K |
| Vision | EYEMED | 621 | $45K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 518 | $195K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 518 | $195K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 601 | $3.4M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 518 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.