| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS CALKINS3 | 65 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $49K | $0 | $49K | 1.51% |
| ANJA HARMON3 | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | PRIORITY HEALTH | $49K | $0 | $49K | 1.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 14.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $8K | 3.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 2.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 0.99% |
| ANJA HARMON3 | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | PRIORITY HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 1.53% |
| DOUGLAS CALKINS3 | 65 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 1.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.90% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $228 | $0 | $228 | 0.50% |
| THE STERLING GROUP INC3 Filed as: STERLING AGENCY INC | 180 SOUTH RIPLEY BOULEVARD ALPENA, MI 49707 | VISION SERVICE PLAN | -$3 | $0 | -$3 | -0.01% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 647 | $3.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 721 | $220K |
| Vision | VISION SERVICE PLAN | 279 | $46K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $242K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $242K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $242K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 647 | $3.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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."
No prospect flags tripped on this filing.