| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINA GONZALES3 | 1591 GALBRAITH GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | $0 | $25K | 2.86% |
| MICHELLE M. SHUART3 Filed as: MICHELLE M SHUART | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | $0 | $14K | 1.56% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.13% |
| CHRISTINA GONZALES3 | 1591 GALBRAITH AVE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 2.91% |
| MICHELLE M. SHUART3 Filed as: MICHELLE M SHUART | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 1.54% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $981 | $0 | $981 | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 4.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.25% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $191 | $0 | $191 | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.70% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $179 | $0 | $179 | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $759 | $759 | 7.27% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $132 | $0 | $132 | 1.27% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | 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 | 133 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 223 | $97K |
| Vision | DELTA DENTAL OF MICHIGAN | 223 | $97K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $10K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 133 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.