| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANGELA GARNER3 Filed as: ANGELA L. GARNER | 1605 CONCENTRIC BLVD STE 1 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $46K | $72K | $118K | 9.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 1605 CONCENTRIC BLVD STE 2 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $11K | $11K | 0.85% |
| ANGELA GARNER3 | 1605 CONCENTRIC BLVD STE 1 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 2.57% |
| SPECTRUM BENEFITS LLC7 | 721 THREE MILE RD STE 150 GRAND RAPIDS, MI 49544 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST LTD | 2118 N TYLER BLDG C WICHITA, KS 67212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED | 6100 YALE AVE. STE. 1900 TULSA, OK 74136 | LEADERS LIFE INSURANCE COMPANY | $281 | — | $281 | 15.03% |
| PROFESSIONAL BENEFITS SERVICES0 | 5300 PATTERSON AVE SE STE 150 GRAND RAPIDS, MI 49512 | PROFESSIONAL BENEFITS SERVICES (TPA), DBA VARIRO | $0 | $56K | $56K | — |
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 | 1,109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,152 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 2,475 | $788K |
| Vision | EYEMED VISION CARE | 2,149 | $126K |
| Life insurance(3 contracts, 3 carriers) | FARM BUREAU LIFE INSURANCE COMPANY OF MICHIGAN | 1,109 | $1.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,110 | $495K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,152 | $1.4M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 893 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,475 | — |
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."
No prospect flags tripped on this filing.