| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN CARRAGHER3 Filed as: BRIAN D. CARRAGHER | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $167K | $0 | $167K | 1.95% |
| TRIENA M ATKINSON3 Filed as: TRIENA M. ATKINSON | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $82K | $0 | $82K | 0.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117K | $0 | $117K | 23.32% |
| MJ INSURANCE3 Filed as: MARJORIE L. MOE AND VARIOUS AGENTS | 7343 NORTH SHORE DRIVE SOUTH HAVEN, MI 49090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69K | $0 | $69K | 13.69% |
| ROBERT L PARSONS3 Filed as: ROBERT L. PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38K | $0 | $38K | 7.49% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | $0 | $30K | 5.89% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 3.34% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 2.53% |
| SAMANTHA SEDLAK3 Filed as: SAMANTHA R. SEDLAK | 6770 73RD AND A HALF STREET SOUTH HAVEN, MI 49090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 2.23% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | STARMOUNT LIFE INSURANCE COMPANY | $35K | $0 | $35K | 8.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $3K | $10K | 2.61% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 12.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 3.58% |
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 | 810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,241 | $8.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 930 | $391K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 930 | $391K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,236 | $128K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,146 | $501K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,241 | $8.5M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,236 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,236 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.