| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 625 KENMOOR AVENUE, SUITE 200 GRAND RAPIDS, MI 49546 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $8K | $27K | 9.48% |
| ROBERT L PARSONS3 | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $24K | $1K | $25K | 11.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 2167 GRAND RAPIDS, MI 49501 | AFLAC | $9K | $0 | $9K | 4.17% |
| CHRISTINA YUNKER3 | 116 SOUTH 4TH STREET STURGIS, MI 49091 | AFLAC | $5K | $0 | $5K | 2.43% |
| MJ INSURANCE3 Filed as: MADISON WILKINS AND VARIOUS AGENTS | LOT C23 BATTLE CREEK, MI 49014 | AFLAC | $4K | $52 | $4K | 1.72% |
| SARAH E MEANY3 | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $3K | $224 | $3K | 1.50% |
| CLIFF RAY RENSBERGER3 | 41 HICKORY LANE BATTLE CREEK, MI 49015 | AFLAC | $935 | $34 | $969 | 0.43% |
| MICHAELA WHIPPLE3 | 222 WEST ELM STREET MIDDLETON, MI 48856 | AFLAC | $617 | $11 | $628 | 0.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 625 KENMOOR AVENUE, SUITE 200 GRAND RAPIDS, MI 49546 | DELTA DENTAL OF PENNSYLVANIA | $13K | $0 | $13K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | VEVA 16, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $84 | $0 | $84 | 0.40% |
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 | 1,221 | 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) | 1,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,192 | $416K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,192 | $305K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,192 | $284K |
| Short-term disability | AFLAC | 268 | $224K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,192 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,192 | — |
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.