| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN J HETTRICK3 Filed as: STEPHEN MCCAIN | 5435 CORPORATE DR STE 260 TROY, MI 48098 | PRIORITY HEALTH | $51K | $0 | $51K | 4.11% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 5.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 4.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LASALLE ST FLOOR 20 CHICAGO, IL 60601 | DELTA DENTAL OF MICHIGAN | $519 | $0 | $519 | 0.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $776 | $776 | 5.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $828 | $828 | 6.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $626 | $626 | 7.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $740 | $0 | $740 | 15.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $306 | $306 | 6.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $220 | $220 | 5.56% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 201 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 211 | $71K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $41K |
| Prescription drug | PRIORITY HEALTH | 201 | $1.2M |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.