| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TONYA J. CARMONEY3 Filed as: TONYA J CARMONEY | PO BOX 2167 GRAND RAPIDS, MI 49501 | BCN | $31K | $0 | $31K | 4.21% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BCN | $7K | $0 | $7K | 0.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 625 KENMOOR AVENUE SUITE 200 GRAND RAPIDS, MI 49546 | BCN | $0 | $282 | $282 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $12K | 19.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 939 BURLINGTON, NC 27216 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 7.65% |
| WRIGHT & ASSOCIATES INSURANCE GROUP3 Filed as: WRIGHT & ASSOCIATES | 401 WEST FRONT STREET TRAVERSE CITY, MI 49684 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 3.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16253 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VSP EASTERN | $649 | $0 | $649 | 8.13% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCN | 200 | $746K |
| Dental | DELTA DENTAL OF MICHIGAN | 98 | $33K |
| Vision | VSP EASTERN | 54 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $58K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $58K |
| Prescription drug | BCN | 200 | $746K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
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.