| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINNEA HOEKWATER3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | PRIORITY HEALTH | $22K | $0 | $22K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 6.21% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 6.70% |
| LINNEA HOEKWATER3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | PRIORITY HEALTH INSURANCE COMPANY | $501 | $0 | $501 | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $632 | $0 | $632 | 4.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | $0 | $312 | 4.80% |
| EL TORRO INC3 | 5425 MILLS RIDGE DRIVE SW YWOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | $0 | $110 | 1.69% |
| MJ INSURANCE3 Filed as: CLIFF RENSBERGER & VARIOUS AGENTS | 41 HICKORY LANE BATTLE CREEK, MI 49015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 1.46% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY MARIE MESSENGER | 41 26TH STREET NORTH BATTLE CREEK, MI 49015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 1.00% |
| TREVOR A SMALL3 Filed as: TREVOR SMALL | 3420 KENBROOKE COURT KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.63% |
| NANETTE JENNINGS3 Filed as: NANETTE SUE JENNINGS | 65145 NORTH BIG HILL ROAD STURGIS, MI 49091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.35% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.34% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 246 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 222 | $90K |
| Vision | VISION SERVICE PLAN | 94 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $70K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 246 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.