| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINNEA L. HOEKWATER3 Filed as: LINNEA L HOEKWATER | PO BOX 2167 GRAND RAPIDS, MI 49501 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 3.95% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 495140167 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 1.05% |
| JASON NICKEL3 Filed as: JASON D. NICKEL | 4808 BROADMOOR AVE SE GRAND RAPID, MI 495125306 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2167 GRAND RAPIDS, MI 49501 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 4.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2167 GRAND RAPIDS, MI 49501 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 1.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS. INC. | PO BOX 929 BURLINGTON, NC 27216 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 6.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 65 E JACKSON BLVD. CHICAGO, IL 606044101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.68% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS. GROUP, INC. | 4808 BROADMOOR AVE SE GRAND RAPID, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $869 | — | $869 | 3.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 65 E JACKSON BLVD. CHICAGO, IL 606044101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.16% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS. GROUP, INC. | 4808 BROADMOOR AVE SE GRAND RAPID, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $650 | — | $650 | 4.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 65 E JACKSON BLVD. CHICAGO, IL 606044101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $596 | — | $596 | 6.57% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS. GROUP, INC. | 4808 BROADMOOR AVE SE GRAND RAPID, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $311 | — | $311 | 3.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - GRAND RAPIDS | C/O BANK OF AMERICA CHICAGO, IL 60693 | EYEMED VISION CARE | $373 | — | $373 | 7.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - GRAND RAPIDS | 625 KENMOOR SE GRAND RAPIDS, MI 49546 | EYEMED VISION CARE | $42 | — | $42 | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 65 E. JACKSON BLVD. CHICAGO, IL 606044101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $151 | — | $151 | 6.69% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS. GROUP, INC. | 4808 BROADMOOR AVE SE GRAND RAPID, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $75 | — | $75 | 3.32% |
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)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 124 | $638K |
| Dental | DELTA DENTAL OF MICHIGAN | 111 | $43K |
| Vision | EYEMED VISION CARE | 86 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $9K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 124 | $638K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.