| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMEE JOHNSON3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $16K | $0 | $16K | 0.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $0 | $4K | $4K | 0.22% |
| JAMEE JOHNSON3 | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | $0 | $6K | 1.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1591 GALBRAITH AVENUE SOUTHEAST GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $917 | $917 | 0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $9K | $25K | 10.43% |
| ROBERT L PARSONS3 Filed as: ROBERT L. PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | AFLAC | $24K | $2K | $25K | 14.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | AFLAC | $6K | $0 | $6K | 3.52% |
| SARAH E MEANY3 Filed as: SARAH E. MEANY | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $3K | $309 | $3K | 1.64% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS & OTHER AGENTS | 244 NORTH ROSE STREET, SUITE 300 KALAMAZOO, MI 49007 | AFLAC | $2K | $185 | $2K | 1.33% |
| CLIFF RAY RENSBERGER3 | 41 HICKORY LANE BATTLE CREEK, MI 49015 | AFLAC | $549 | $125 | $674 | 0.39% |
| MICHAELA WHIPPLE3 | 5433 MEREDITH STREET, SUITE 1F PORTAGE, MI 49002 | AFLAC | $256 | $43 | $299 | 0.17% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 2643 120TH AVENUE ALLEGAN, MI 49010 | AFLAC | $250 | $0 | $250 | 0.15% |
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 | 1,482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 388 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 986 | $239K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 986 | $239K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 986 | $239K |
| Short-term disability | AFLAC | 299 | $172K |
| Long-term disability | AFLAC | 299 | $172K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 388 | $2.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 986 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 986 | — |
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.