| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINNEA L. HOEKWATER3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | $0 | $24K | 2.19% |
| ROXANNA DIETERLE3 | 300 OTTAWA, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | $0 | $6K | 0.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $6K | $6K | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHMA FARMS, MI 48025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 625 KENMOOR AVENUE SOUTHEAST SUITE 200 GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 4.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $652 | $652 | $1K | 1.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 939 BURLINGTON, NC 27216 | DELTA DENTAL OF MICHIGAN | $1K | $177 | $2K | 2.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 300 NORTH LASALLE STREET 17TH FLOOR CHICAGO, IL 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 25.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 625 KENMOOR AVENUE SOUTHEAST SUITE 200 GRAND RAPIDS, MI 49546 | GERBER LIFE INSURANCE COMPANY | $254 | — | $254 | 15.03% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 177 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 178 | $60K |
| Vision | VISION SERVICE PLAN | 86 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $75K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $75K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $98K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 177 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $77K |
| 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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.