| 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 | 2.08% |
| NICOLE RODRIGUEZ3 | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | PRIORITY HEALTH | $4K | $0 | $4K | 0.41% |
| LINNEA HOEKWATER3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | PRIORITY HEALTH INSURANCE COMPANY | $7K | $0 | $7K | 2.08% |
| NICOLE RODRIGUEZ3 | 1368 BUSINESS PARK DRIVE TRAVERSE CITY, MI 49686 | PRIORITY HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 5.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.00% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 207 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 297 | $117K |
| Vision | VISION SERVICE PLAN | 123 | $0 |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $58K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $58K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 207 | $1.4M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.