| 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 | $2K | $0 | $2K | 4.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LA SALLES STREET FLOOR 20 CHICAGO, IL 60601 | DELTA DENTAL OF MICHIGAN | $582 | $0 | $582 | 1.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DELTA DENTAL OF MICHIGAN | $523 | $0 | $523 | 0.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE, SUITE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 24.54% |
| MARTINA AREND3 Filed as: MARTINA ANTJE AREND | 1756 HAMMER ROAD KINGSLEY, MI 49649 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | $0 | $182 | 1.13% |
| CHRIS CHARLAND AND OTHER AGENTS3 | 1004 LOCUST STREET TRAVERSE CITY, MI 49684 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BETH JOANN JURMO-BROWN | 5735 PLAMS ROAD CASCO, MI 48064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.24% |
| ASHELY MARIE MESSENGER3 | 41 26TH STREET NORTH BATTLE CREEK, MI 49015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.18% |
| ALEXIA LESLIE VOLLMAN3 | 1756 HAMMER ROAD KINGSLEY, MI 49649 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.17% |
| CASSIE MARIE GOODBAND3 | 4623 ROMENCE PORTAGE, MI 49024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.00% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 184 | $53K |
| Vision | VISION SERVICE PLAN | 101 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $32K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.