| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AIELLO, JOSEPH3 | 5600 NEW KING DRIVE SUITE 210 TROY, MI 48098 | PRIORITY HEALTH | $40K | — | $40K | 2.52% |
| AIELLO, JOSEPH3 | 5600 NEW KING DRIVE SUITE 210 TROY, MI 48098 | PRIORITY HEALTH INSURANCE COMPANY | $27K | — | $27K | 2.50% |
| AIELLO, JOSEPH3 | 5600 NEW KING DRIVE SUITE 210 TROY, MI 48098 | PRIORITY HEALTH INSURANCE COMPANY | $17K | — | $17K | 2.50% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | STARMOUNT LIFE INSURANCE COMPANY | $63K | $8K | $70K | 11.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MW LTD | 5600 NEW KING DRIVE SUITE 210 TROY, MI 48098 | STARMOUNT LIFE INSURANCE COMPANY | $454 | — | $454 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | STARMOUNT LIFE INSURANCE COMPANY | $168 | $83 | $251 | 0.04% |
| AIELLO, JOSEPH3 | 5600 NEW KING DRIVE SUITE 210 TROY, MI 48098 | PRIORITY HEALTH INSURANCE COMPANY | $13K | — | $13K | 2.50% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 4.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW LTD | 5600 NEW KING DRIVE SUITE 210 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.01% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $3K | $39K | 16.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MW LTD | 5600 NEW KING DRIVE SUITE 210 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $392 | — | $392 | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MW LTD | 5600 NEW KING DRIVE SUITE 210 TROY, MI 48098 | UNUM INSURANCE COMPANY | $42K | — | $42K | 41.13% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $3K | — | $3K | 3.34% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | -$18K | $433 | -$17K | -16.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MW LTD | 5600 NEW KING DRIVE SUITE 210 TROY, MI 48098 | UNUM INSURANCE COMPANY | $29K | — | $29K | 39.62% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNUM INSURANCE COMPANY | $3 | $1 | $4 | 0.01% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | -$12K | -$368 | -$12K | -16.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MW LTD | 5600 NEW KING DRIVE SUITE 210 TROY, MI 48098 | UNUM INSURANCE COMPANY | $20K | — | $20K | 36.49% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $1K | — | $1K | 2.06% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | -$8K | -$327 | -$9K | -15.27% |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | PRIORITY HEALTH | 237 | $3.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 605 | $619K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 605 | $619K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 679 | $706K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 679 | $466K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 679 | $466K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 679 | $937K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.