| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NANCY CRANE3 Filed as: NANCY CRAN | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $26K | $0 | $26K | 3.92% |
| NANCY CRANE3 Filed as: NANCY CRAN | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | $0 | $18K | 4.11% |
| LESLIE BAKER3 | UNKNOWN GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $6K | $17K | 12.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | AFLAC | $6K | — | $6K | 32.27% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY M MESSENGER | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | AFLAC | $1K | $0 | $1K | 6.26% |
| MARY M CAMPBELL3 | 9480 WEST Y AVENUE SCHOOLCRAFT, MI 49087 | AFLAC | $1K | $0 | $1K | 5.72% |
| NANETTE JENNINGS3 Filed as: NANETTE S JENNINGS | 65145 BIG HILL ROAD STURGIS, MI 49091 | AFLAC | $397 | $0 | $397 | 2.10% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | AFLAC | $275 | $0 | $275 | 1.46% |
| BETHANY M MCDADE3 | 546 NORTH DARTMOUTH STREET KALAMAZOO, MI 49006 | AFLAC | $57 | $0 | $57 | 0.30% |
| ROBERT L PARSONS3 | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | AFLAC | $8 | $0 | $8 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $599 | — | $599 | 4.28% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 188 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $136K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 214 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $136K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $136K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $136K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 188 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.