| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXTERNAL AGENT3 | UNKNOWN PETOSKEY, MI 49770 | BLUE CARE NETWORK OF MICHIGAN | $29K | — | $29K | 4.29% |
| MANAGING AGENT3 | UNKNOWN PETOSKEY, MI 49770 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 0.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES, INC. | 1330 LADY STREET, SUITE 202 COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 14.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 939 BURLINGTON, NC 27216 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 7.53% |
| WRIGHT & ASSOCIATES INSURANCE GROUP3 Filed as: WRIGHT AND ASSOCIATES | 401 WEST FRONT STREET TRAVERSE CITY, MI 49684 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 3.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16253 COLLECTIONS DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $570 | — | $570 | 8.92% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 198 | $679K |
| Dental | DELTA DENTAL OF MICHIGAN | 86 | $34K |
| Vision | VISION SERVICE PLAN | 43 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $53K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 198 | $679K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.