| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGAN N CONSOLO3 Filed as: MEGAN N. CONSOLO | 16961 KINROSS AVENUE BEVERLY HILLS, MI 48025 | PRIORITY HEALTH | $23K | $0 | $23K | 3.65% |
| JOHN W POMEROY3 Filed as: JOHN J. SCHRIPSEMA | 12935 SOUTH WEST BAY SHORE DRIVE TRAVERSE CITY, MI 49684 | PRIORITY HEALTH | $2K | $0 | $2K | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE, SUITE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 6.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $491 | $0 | $491 | 4.00% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 145 | $638K |
| Dental | DELTA DENTAL OF MICHIGAN | 169 | $55K |
| Vision | VISION SERVICE PLAN | 76 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $83K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $83K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $83K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.