| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENDI UHRIG3 | 31440 NORTHWESTERN HIGHWAY FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $28K | $0 | $28K | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | $1K | $15K | 1.92% |
| WENDI UHRIG3 | 31440 NORTHWESTERN HIGHWAY FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 3.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $4K | $267 | $4K | 1.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNAITONAL MIDWEST LIMITED | 5435 CORPORATE DRIVE, SUITE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 8.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $982 | $0 | $982 | 9.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $210 | $0 | $210 | 1.95% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 111 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | 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 | 145 | $1.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 145 | $808K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 124 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $89K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 145 | $1.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.