| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | VISION SERVICE PLAN | $4K | $0 | $4K | 0.25% |
| HYLANT GROUP INC Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | VISION SERVICE PLAN | $869 | $0 | $869 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $578 | $0 | $578 | 0.04% |
| SAGINAW BAY UNDERWRITERS3 | 1258 SOUTH WASHINGTON AVENUE SAGINAW, MI 48601 | VISION SERVICE PLAN | $258 | $0 | $258 | 0.02% |
| E.A. BECKER & ASSOCIATES INC3 Filed as: E.A. BECKER AND ASSOCIATES INC. | PO BOX 5619 SAGINAW, MI 48603 | VISION SERVICE PLAN | $117 | $0 | $117 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | -$11 | $0 | -$11 | -0.00% |
| ROXANNA DIETERLE3 | 300 OTTAWA, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | $0 | $34K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $8K | 10.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 6.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 OTTAWA AVENUE NW, SUITE 301 GRAND RAPIDS, IL 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON, 4TH FLOOR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $180 | $0 | $180 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 OTTAWA AVENUE NW, SUITE 301 GRAND RAPIDS, MI 49503 | GERBER LIFE INSURANCE COMPANY | $253 | $0 | $253 | 14.97% |
| UNKNOWN3 | UNKNOWN CEDAR SPRINGS, MI 49319 | TELADOC HEALTH | $64 | $0 | $64 | 13.79% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 225 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 236 | $71K |
| Vision | VISION SERVICE PLAN | 0 | $1.4M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $80K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $80K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $100K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 225 | $1.2M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.