| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $79K | — | $79K | 1.63% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | HEALTH ALLIANCE PLAN | $48K | — | $48K | 1.70% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 5600 NEW KING DR STE 210 TROY, MI 48098 | RELIANCE MATRIX | — | $59K | $59K | 8.32% |
| INSURANCE CONSULTING ASSOCIATES LLC Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE MATRIX | $12K | — | $12K | 1.68% |
| JOHNSTON LEWIS ASSOCIATES, INC | 575 E MAPLE ROAD TROY, MI 48083 | RELIANCE STANDARD | $31K | — | $31K | 12.33% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $22K | — | $22K | 9.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $7K | — | $7K | 2.67% |
| JOHNSTON LEWIS ASSOCIATES, INC | 575 E MAPLE ROAD TROY, MI 48083 | RELIANCE STANDARD | $21K | — | $21K | 12.44% |
| BENETEK CORPORATION | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $15K | — | $15K | 9.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $4K | — | $4K | 2.56% |
| JOHNSTON LEWIS ASSOCIATES, INC | 575 E MAPLE ROAD TROY, MI 48083 | RELIANCE STANDARD | $17K | — | $17K | 12.07% |
| BENETEK CORPORATION | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $12K | — | $12K | 9.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $4K | — | $4K | 2.92% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 5600 NEW KING DR STE 210 TROY, MI 48098 | RELIANCE MATRIX | $10K | — | $10K | 10.00% |
| OPTAVISE, LLC0 | 120 18TH STREET S. SUITE 102 BIRMINGHAM, AL 35233 | RELIANCE STANDARD | $10K | — | $10K | 10.50% |
| BENETEK CORPORATION | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $9K | — | $9K | 9.00% |
| JOHNSTON LEWIS ASSOCIATES, INC | 575 E MAPLE ROAD TROY, MI 48083 | RELIANCE STANDARD | $4K | — | $4K | 3.73% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $756 | — | $756 | 0.77% |
| OPTAVISE, LLC3 | 120 18TH STREET S. SUITE 102 BIRMINGHAM, AL 35233 | RELIANCE STANDARD | $8K | — | $8K | 10.50% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | — | $7K | $7K | 9.00% |
| JOHNSTON LEWIS ASSOCIATES, INC | 575 E MAPLE ROAD TROY, MI 48083 | RELIANCE STANDARD | $3K | — | $3K | 3.69% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $630 | — | $630 | 0.81% |
| JOHNSTON LEWIS ASSOCIATES, INC3 | 575 E MAPLE ROAD TROY, MI 48083 | RELIANCE STANDARD | $5K | — | $5K | 20.00% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | — | $2K | $2K | 9.00% |
| JOHNSTON LEWIS ASSOCIATES, INC | 575 E MAPLE ROAD TROY, MI 48083 | RELIANCE STANDARD | $2K | — | $2K | 12.30% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $1K | — | $1K | 9.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $342 | — | $342 | 2.70% |
| JOHNSTON LEWIS ASSOCIATES, INC3 | 575 MAPLE RD TROY, MI 48083 | RELIANCE STANDARD | $257 | — | $257 | 12.36% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $187 | — | $187 | 8.99% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $55 | — | $55 | 2.65% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1,002 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 1,006 | $7.7M |
| Dental | RELIANCE MATRIX | 2,268 | $712K |
| Vision(2 contracts) | RELIANCE MATRIX | 2,268 | $811K |
| Life insurance | RELIANCE STANDARD | 1,859 | $249K |
| Long-term disability(3 contracts) | RELIANCE STANDARD | 399 | $167K |
| Other(4 contracts) | RELIANCE STANDARD | 721 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,268 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.