| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS WILLIAM JR NAGEL3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 495469546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 1.85% |
| JOHN W SCHUEMANN3 | 244 NORTH ROSE STREET KALAMAZOO, MI 490073824 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 495469546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $935 | $935 | 0.14% |
| DOUGLAS WILLIAM JR NAGEL3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 495469546 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 1.72% |
| JOHN W SCHUEMANN3 | 244 NORTH ROSE STREET KALAMAZOO, MI 490073824 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 1.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 495469546 | BLUE CARE NETWORK OF MICHIGAN | — | $240 | $240 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $59 | $4K | 9.07% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $470 | $470 | 1.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 2167 GRAND RAPIDS, MI 495012167 | VISION SERVICE PLAN | $619 | — | $619 | 5.45% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | VISION SERVICE PLAN | $461 | — | $461 | 4.06% |
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 | 205 | 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) | 205 | 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 | 150 | $879K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 150 | $657K |
| Vision | VISION SERVICE PLAN | 88 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $45K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $45K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $45K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 150 | $879K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.