| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | 618 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MO 49546 | ARDELLIS INSURANCE LIMITED | $18K | $122K | $140K | 53.70% |
| SHANNON J. ENDERS3 Filed as: SHANNON ENDERS | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.06% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | UNITED OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.17% |
| THE LEAD AGENCY LLC Filed as: THE LEAD AGENCY, LLC | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | EYEMED VISION CARE | $3K | — | $3K | 10.87% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | UNITED OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.14% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.70% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | UNITED OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OMAHA LIFE INSURANCE COMPANY | — | $799 | $799 | 4.08% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | UNITED OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OMAHA LIFE INSURANCE COMPANY | — | $182 | $182 | 1.51% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | UNITED OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OMAHA LIFE INSURANCE COMPANY | — | $377 | $377 | 4.04% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | UNITED OMAHA LIFE INSURANCE COMPANY | $630 | — | $630 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OMAHA LIFE INSURANCE COMPANY | — | $363 | $363 | 5.77% |
| THE LEAD AGENCY LLC3 | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | UNITED OMAHA LIFE INSURANCE COMPANY | $239 | — | $239 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNITED OMAHA LIFE INSURANCE COMPANY | — | $137 | $137 | 5.73% |
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 | 390 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARDELLIS INSURANCE LIMITED | 179 | $260K |
| Dental | DELTA DENTAL OF MICHIGAN | 390 | $109K |
| Vision | EYEMED VISION CARE | 357 | $29K |
| Life insurance(2 contracts) | UNITED OMAHA LIFE INSURANCE COMPANY | 109 | $35K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 70 | $41K |
| Other(6 contracts) | UNITED OMAHA LIFE INSURANCE COMPANY | 109 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.