| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINNEA L. HOEKWATER3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 1.64% |
| ROBERT L. HUGHES3 Filed as: ROBERT W. BARSS | 811 MADISON AVENUE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 0.73% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2167 GRAND RAPIDS, MI 49501 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $52 | $52 | 0.00% |
| UNKNOWN3 | UNKNOWN GRAND RAPIDS, MI 49525 | BLUE CARE NETWORK OF MICHIGAN | $25K | — | $25K | 2.82% |
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | ALLSTATE | $13K | — | $13K | 12.70% |
| RALPH H KEELER3 Filed as: RALPH H. KEELER | 8716 RIVERDALE ROAD PLATTSMOUTH, NE 68048 | ALLSTATE | $9K | — | $9K | 9.30% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | ALLSTATE | $8K | — | $8K | 7.82% |
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | ALLSTATE | $2K | — | $2K | 1.62% |
| YONI LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | ALLSTATE | $2K | — | $2K | 1.49% |
| ERIKA M TORRES3 Filed as: ERIKA M. TORRES | 2627 59TH COURT, 1ST FLOOR CICERO, IL 60804 | ALLSTATE | $972 | — | $972 | 0.96% |
| MJ INSURANCE3 Filed as: FRANK TOWNSEND AND VARIOUS AGENTS | 1265 LANE AVENUE, SUITE 8 JACKSONVILLE, FL 32205 | ALLSTATE | $884 | — | $884 | 0.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.47% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $277 | $2K | 4.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16253 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $865 | — | $865 | 3.55% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $372 | — | $372 | 1.53% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | 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 | 465 | $2.1M |
| Vision | VISION SERVICE PLAN | 269 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 277 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 277 | $39K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 465 | $2.1M |
| Other(2 contracts, 2 carriers) | ALLSTATE | 325 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.