| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANJA HARMON3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $62K | $0 | $62K | 5.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE, SUITE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.98% |
| WATCHTOWER BENEFITS, LLC5 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $920 | $0 | $920 | 5.74% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $74 | $0 | $74 | 0.46% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $73 | $0 | $73 | 0.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | AFLAC | $1K | $0 | $1K | 13.91% |
| EL TORRO INC3 | 5425 MILLS RIDGE DRIVE SW WYOMING, MI 49418 | AFLAC | $680 | $0 | $680 | 7.08% |
| SARAH E MEANY3 Filed as: SARAH E. MEANY | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $430 | $0 | $430 | 4.48% |
| ROBERT L PARSONS3 Filed as: ROBERT L. PARSONS | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $295 | $0 | $295 | 3.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | AFLAC | $243 | $0 | $243 | 2.53% |
| CLIFF RAY RENSBERGER3 Filed as: CLIFF RENSBERGER AND OTHER AGENTS | 41 HICKORY LANE BATTLE CREEK, MI 49015 | AFLAC | $138 | $0 | $138 | 1.44% |
| MONICA MILLER3 | 675 PRESERVE CIRCLE DRIVE SE APARTMENT 3 GRAND RAPIDS, MI 49548 | AFLAC | $106 | $0 | $106 | 1.10% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 230 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 230 | $1.2M |
| Vision | VISION SERVICE PLAN | 97 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $93K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $93K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $93K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 230 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.