| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 625 KENMOOR AVENUE, SUITE 200 GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | $1K | $30K | 4.89% |
| EXTERNAL AGENT3 | UNKNOWN BATTLE CREEK, MI 49037 | BLUE CARE NETWORK AND MICHIGAN | $17K | — | $17K | 4.70% |
| MANAGING AGENT3 | UNKNOWN BATTLE CREEK, MI 49037 | BLUE CARE NETWORK AND MICHIGAN | $4K | — | $4K | 1.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $217 | $5K | 15.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16253 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $846 | — | $846 | 6.67% |
| ELIZABETH ELAINE HENDERSHOT3 | 6764 KING ROAD SPRING ARBOR, MI 49283 | AFLAC | $1K | — | $1K | 14.55% |
| BECKY S. WAREHAM3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $617 | — | $617 | 8.94% |
| CONNIE RUPERT3 Filed as: CONNIE M. RUPERT | 180 WEST MICHIGAN AVENUE, SUITE 300 JACKSON, MI 49201 | AFLAC | $586 | — | $586 | 8.49% |
| CONNIE RUPERT3 Filed as: CONNIE M. RUPERT | 110 WEST STREET JONESVILLE, MI 49250 | AFLAC | $415 | $4 | $419 | 6.07% |
| BECKY S. WAREHAM AND OTHER AGENTS3 | 660 BLOSSOM ROAD ATHENS, MI 49011 | AFLAC | $247 | $6 | $253 | 3.67% |
| KARIE LYNN HOOTMAN3 | 34 NORTH HOWELL STREET HILLSDALE, MI 49242 | AFLAC | $174 | — | $174 | 2.52% |
| KARIE LYNN HOOTMAN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $119 | $4 | $123 | 1.78% |
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 | 364 | 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) | 364 | 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 | 96 | $967K |
| Dental | BLUE CARE NETWORK AND MICHIGAN | 68 | $353K |
| Vision | VISION SERVICE PLAN | 94 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $33K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $40K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $33K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 96 | $967K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.