| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON, 14TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.64% |
| ERIN SARA BUSHEY3 | 2337 SOUTH SECOND ALPENA, MI 49707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.44% |
| MATTHEW THOMAS NEMODE3 | 3985 KAWKAWLIN RIVER DRIVE BAY CITY, MI 48706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $654 | $0 | $654 | 1.77% |
| BRENT JASON EMERICK3 | 802 SPRINGWOOD DRIVE PRUDENVILLE, MI 48651 | CONTINENTAL AMERICAN INSURANCE COMPANY | $301 | $0 | $301 | 0.82% |
| DAVE DALE TALBOT3 | 1051 BARE POINT ROAD ALPENA, MI 49707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $208 | — | $208 | 0.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
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 | 192 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 126 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $56K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.