| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG LIPOSKY3 | 5435 CORPORATE DRIVE, SUITE 210 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | $37K | $0 | $37K | 2.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE, SUITE 260 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.10% |
| GREG LIPOSKY3 | 5435 CORPORATE DRIVE, SUITE 210 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $0 | $10K | 3.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE, SUITE 260 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $761 | $761 | 0.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LIMITED | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $7K | $28K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LIMITED | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 13.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LIMITED | PO BOX 2167 GRAND RAPIDS, MI 49501 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $4K | $16K | 13.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LIMITED | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNUM INSURANCE COMPANY | $7K | $2K | $10K | 20.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 30600 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | UNUM INSURANCE COMPANY | $1K | $114 | $1K | 10.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LIMITED | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNUM INSURANCE COMPANY | $744 | $148 | $892 | 6.44% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 288 | $1.6M |
| Dental(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $245K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 288 | $334K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $311K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $262K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $262K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.