| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES INC | 600 SOUTH WALNUT STREET LANSING, MI 48933 | VISION SERVICE PLAN INSURANCE | $55K | $0 | $55K | 15.46% |
| GREAT NORTHERN BENEFITS, LLC3 | 5112 US HIGHWAY 31 NORTH WILLIAMSBURG, MI 49690 | VISION SERVICE PLAN INSURANCE | $164 | $0 | $164 | 0.05% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN INSURANCE | $86 | $0 | $86 | 0.02% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | VISION SERVICE PLAN INSURANCE | $64 | $0 | $64 | 0.02% |
| SAGINAW BAY UNDERWRITERS3 | 1258 SOUTH WASHINGTON AVENUE SAGINAW, MI 48601 | VISION SERVICE PLAN INSURANCE | $2 | $0 | $2 | 0.00% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN INSURANCE | $1 | $0 | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 4.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 15.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $119 | $5 | $124 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $139 | $4 | $143 | 3.39% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 422 | $124K |
| Vision | VISION SERVICE PLAN INSURANCE | 200 | $355K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $100K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 61 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $100K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.