| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | VISION SERVICE PLAN | $2K | $0 | $2K | 0.15% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $703 | $0 | $703 | 0.06% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 410 SOUTH UNION STREET TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $482 | $0 | $482 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS. OF MI INC. | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $298 | $0 | $298 | 0.03% |
| SAGINAW BAY UNDERWRITERS3 | 1258 SOUTH WASHINGTON AVENUE SAGINAW, MI 48601 | VISION SERVICE PLAN | $85 | $0 | $85 | 0.01% |
| E.A. BECKER & ASSOCIATES INC3 Filed as: E.A. BECKER AND ASSOCIATES INC. | PO BOX 5619 SAGINAW, MI 48603 | VISION SERVICE PLAN | -$3 | $0 | -$3 | -0.00% |
| LINNEA L. HOEKWATER3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $34K | $0 | $34K | 4.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $0 | $450 | $450 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX FUN ROAD FINDLAY, OH 45840 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 4.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DELTA DENTAL OF MICHIGAN | $922 | $0 | $922 | 2.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 57.29% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 150 | $682K |
| Dental | DELTA DENTAL OF MICHIGAN | 113 | $45K |
| Vision | VISION SERVICE PLAN | 0 | $1.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $62K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $62K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 150 | $682K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.