| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 6.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE MIDWEST LIMITED TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 60.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BETH J. JURMO-BROWN | 5735 PALMS ROAD CASCO, MI 48064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.92% |
| CASSIE MARIE GOODBAND3 Filed as: CASSIE M. GOODBAND | 4623 ROMENCE ROAD PORTAGE, MI 49024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.58% |
| ASHLEY M. MESSENGER3 | 41 26TH STREET NORTH BATTLE CREEK, MI 49015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.30% |
| C WORKSITE BENEFITS LL3 Filed as: C. WORKSITE BENEFITS, LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.26% |
| RICHARD P SOMMERS3 Filed as: RICHARD P. SOMMERS | 861 AUGUSTA DRIVE ROCHESTR HILLS, MI 48309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.16% |
| ROBERT L PARSONS3 Filed as: ROBERT L. PARSONS | 4130 WEST D AVENUE KALAMZOO, MI 49024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.14% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 178 | $49K |
| Vision | VISION SERVICE PLAN | 97 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $33K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.