| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINNEA HOEKWATER3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | PRIORITY HEALTH | $23K | $0 | $23K | 2.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON CHICAGO, IL 60604 | DELTA DENTAL OF MICHIGAN | $4K | $87 | $4K | 4.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.07% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE, SUITE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.45% |
| LINNEA HOEKWATER3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | PRIORITY HEALTH INSURANCE COMPANY | $506 | $0 | $506 | 2.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $648 | $0 | $648 | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | $0 | $284 | 3.42% |
| MJ INSURANCE3 Filed as: ROBERT L. PARSONS & VARIOUS AGENTS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | $0 | $128 | 1.54% |
| ASHLEY M. MESSENGER3 | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | $0 | $117 | 1.41% |
| TREVOR A SMALL3 Filed as: TREVOR SMALL | 3420 KENBROOKE COURT KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 1.30% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | $0 | $81 | 0.98% |
| NANETTE JENNINGS3 Filed as: NANETTE S. JENNINGS | 65145 BIG HILL ROAD STURGIS, MI 49091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.72% |
| CLIFF RAY RENSBERGER3 Filed as: CLIFF R. RENSBERGER | 41 HICKORY LANE BATTLE CREEK, MI 49015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | 0.69% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 234 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 216 | $96K |
| Vision | VISION SERVICE PLAN | 80 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $63K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 234 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.