| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN MCDANIEL3 | THREE CITY PLACE DRIVE 01 SAINTT LOUIS, MO 63141 | BLUE CARE NETWORK OF MICHIGAN | $27K | $0 | $27K | 3.12% |
| TRIENA M ATKINSON3 Filed as: TRIENA M. ATKINSON | PO BOX 2167 GRAND RAPIDS, MI 49501 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 0.78% |
| KEVIN MCDANIEL3 | THREE CITY PLACE DRIVE 01 SAINT LOUIS, MO 63141 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | $0 | $6K | 2.64% |
| TRIENA M ATKINSON3 Filed as: TRIENA M. ATKINSON | PO BOX 2167 GRAND RAPIDS, MI 49501 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 1.23% |
| LOCKTON COMPANIES, LLC3 | 1 BURTON HILLS BOULEVARD SUITE 200 NASHVILLE, TN 37215 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 7.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 2.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 SAINT LOUIS, MO 63150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $455 | $0 | $455 | 1.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 55 EAST JACKSON CHICAGO, IL 60604 | GERBER | $776 | $0 | $776 | 6.58% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE, SUITE 3400 CHICAGO, IL 60661 | GERBER | $403 | $0 | $403 | 3.42% |
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 | 451 | 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) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 200 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 288 | $56K |
| Vision | GERBER | 280 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $45K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 200 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.