| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETERSON MCGREGOR & ASSOC INC.3 Filed as: PETERSON MCGREGOR & ASSOC | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 9.26% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 65 E JACKSON BLVD CHICAGO, IL 606044101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 15.85% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON, MCGREGOR & ASSOCIATES | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 496868640 | VISION SERVICE PLAN | $526 | — | $526 | 2.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 16253 COLLECTIONS CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $0 | $253 | $253 | 1.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 16253 COLLECTIONS CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $239 | — | $239 | 1.34% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 178 | $185K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 165 | $49K |
| Vision | VISION SERVICE PLAN | 102 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $42K |
| Prescription drug | RX BENEFITS INC. | 108 | $122K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.