| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD 14TH FL CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $107K | — | $107K | 12.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17K | $17K | 1.95% |
| MICHAEL AHLERT3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | PRIORITY HEALTH INSURANCE COMPANY | $25K | — | $25K | 3.58% |
| CLINTON ANDERSON3 | 1750 E GOLF RD 11TH FLOOR SCHAUMBURG, IL 60173 | PRIORITY HEALTH INSURANCE COMPANY | $9K | — | $9K | 1.33% |
| MICHAEL AHLERT3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | PRIORITY HEALTH INSURANCE COMPANY | $8K | — | $8K | 4.55% |
| CLINTON W ANDERSON3 | 1750 E GOLF RD 11TH FLOOR SCHAUMBURG, IL 60173 | PRIORITY HEALTH INSURANCE COMPANY | $959 | — | $959 | 0.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: AUDREY BROWN | 626 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $16K | $946 | $17K | 12.35% |
| STEPHEN GRACIN3 | 625 E BIG BEAVER RD., STE 103 TROY, MI 48083 | AFLAC | $4K | $189 | $5K | 3.42% |
| KIMBERLY M MCNULTY3 Filed as: KIMBERLY MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $2K | $189 | $2K | 1.75% |
| RENAE BLACKWELL3 | 1076 SOUTHERN HILLS DRIVE ORANGE PARK, FL 32065 | AFLAC | $516 | — | $516 | 0.38% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $352 | — | $352 | 0.26% |
| NANCY ANN CLEMENTS3 Filed as: NANCY CLEMENTS | 625 E BIG BEAVER RD., STE 103 TROY, MI 48083 | AFLAC | $346 | — | $346 | 0.26% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $313 | — | $313 | 0.23% |
| SUSAN MAE DANIEL3 Filed as: SUSAN TAORMINA | 28 1ST ST MT. CLEMENS, MI 48043 | AFLAC | $310 | — | $310 | 0.23% |
| MARIA SILAMIANOS3 | 5604 FORD GROSSE POINTE SHORES, MI 48236 | AFLAC | $280 | — | $280 | 0.21% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 718 AUGUSTA DR ROCHESTER HILLS, MI 48309 | AFLAC | $272 | — | $272 | 0.20% |
| ROBERT STRYE3 | 20470 PICADILLY ROAD DETROIT, MI 48221 | AFLAC | $267 | — | $267 | 0.20% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $244 | — | $244 | 0.18% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $180 | — | $180 | 0.13% |
| THOMAS DANKO3 | 2030 34 MILE RD BRUCE TWP, MI 48065 | AFLAC | $124 | — | $124 | 0.09% |
| PAMELA GRATES3 | 28 1ST ST MT. CLEMENS, MI 48043 | AFLAC | $108 | — | $108 | 0.08% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $63 | — | $63 | 0.05% |
| THOMAS C MEADE3 Filed as: THOMAS MEADE | 46175 WINDSOR COURT MACOMB, MI 48044 | AFLAC | $62 | — | $62 | 0.05% |
| LARRY D DENNY3 Filed as: LARRY KESSELRING | 30745 JEFFREY CT APT 203 NEW HUDSON, MI 48165 | AFLAC | $56 | — | $56 | 0.04% |
| LEONARD DIGIUSEPPE3 | 37164 27 MILE RD LENOX, MI 48048 | AFLAC | $45 | — | $45 | 0.03% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $40 | — | $40 | 0.03% |
| CATHERINE DANIS3 | 48639 BRITTANY PARC DR MACOMB, MI 48044 | AFLAC | $37 | — | $37 | 0.03% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $31 | — | $31 | 0.02% |
| JEANNETTE E FATHERREE3 Filed as: JEANNETTE STAPLETON | 27735 JEFFERSON AVE SAINT CLAIR SHORES, MI 48081 | AFLAC | $30 | — | $30 | 0.02% |
| GERALD THORP AGENCY LLC3 Filed as: GERALD THORP II | 1582 RILEY RD CARO, MI 48723 | AFLAC | $29 | — | $29 | 0.02% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $25 | — | $25 | 0.02% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $22 | — | $22 | 0.02% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $21 | — | $21 | 0.02% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 Filed as: MICHIGAN ACCOUNT SERV TEAM | 2220 RIVER ROAD SUTIE 200 MARYSVILLE, MI 48040 | AFLAC | $20 | — | $20 | 0.01% |
| CHARLES ROBERTS3 | 508 MICHAYWE DR GAYLORD, MI 49735 | AFLAC | $19 | — | $19 | 0.01% |
| BAKER HOPP INC3 | 20789 HARPER AVE HARPER WOODS, MI 48225 | AFLAC | $19 | — | $19 | 0.01% |
| MICHAEL P MCGLYNN DAYTON3 Filed as: MICHAEL MCGLYNN DAYTON | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $17 | — | $17 | 0.01% |
| MICHAEL RITTER3 | 580 FOREST AVE, STE 6B PLYMOUTH, MI 48170 | AFLAC | $16 | — | $16 | 0.01% |
| KRAIG SEXTON3 | 9864 E GRAND RIVER AVE STE 110, NO. 292 BRIGHTON, MI 48116 | AFLAC | $16 | — | $16 | 0.01% |
| CARMEN PARSON3 | 32327 E BRAMPTON ST NEW HAVEN, MI 48048 | AFLAC | $14 | — | $14 | 0.01% |
| JOSEPH BALL3 | 4463 N LAMTON RD DEFORD, MI 48729 | AFLAC | $12 | — | $12 | 0.01% |
| SCOTT B KOHLMANN3 Filed as: SCOTT KOHLMANN | 4350 WEBSTER RD FLUSHING, MI 48433 | AFLAC | $10 | — | $10 | 0.01% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $9 | — | $9 | 0.01% |
| DORIAN J MOORE3 Filed as: DORIAN MOORE | 19900 E 10 MILE RD STE. 101 SAINT CLAIR SHORES, MI 48080 | AFLAC | $9 | — | $9 | 0.01% |
| ALBERT SMOLINSKI3 | 1201 BRADDOCK PL APT 113 ALEXANDRIA, VA 22314 | AFLAC | $7 | — | $7 | 0.01% |
| WESLEY A SMITH3 Filed as: WESLEY SMITH | 9125 COSTNER DR SE CALEDONIA, MI 49316 | AFLAC | $7 | — | $7 | 0.01% |
| EDGAR J SANCHEZ SR3 Filed as: EDGAR SANCHEZ SR | 28 1ST ST STE D MOUNT CLEMENS, MI 48043 | AFLAC | $7 | — | $7 | 0.01% |
| JENNIFER GRIFFIN3 | 32419 HOLDEN DR WARREN, MI 48092 | AFLAC | $7 | — | $7 | 0.01% |
| EVELYN WASHCHUK3 | 28 1ST STREET MOUNT CLEMENS, MI 48043 | AFLAC | $6 | — | $6 | 0.00% |
| THE ALBRECHT COMPANIES INC3 Filed as: THE ALBRECHT CO | 26533 EVERGREEN RD., STE 400 SOUTHFIELD, MI 48076 | AFLAC | $6 | — | $6 | 0.00% |
| SUSAN J TAORMINA3 Filed as: SUSAN J TAORMINA INC | 28 1ST ST MOUNT CLEMENS, MI 48043 | AFLAC | $6 | — | $6 | 0.00% |
| SPAZ AND GLAUB ENT3 | 2150 ASSOCIATION DR, STE 150 OKEMOS, MI 48864 | AFLAC | $4 | — | $4 | 0.00% |
| LYNDA B MACDONALD3 Filed as: LYNDA MACDONALD | 28655 OAKMONTE CIR W NEW HUDSON, MI 48165 | AFLAC | $3 | — | $3 | 0.00% |
| BRIAN DAY3 | 13169 HITCHINS POST RD DEWITT, MI 48820 | AFLAC | $3 | — | $3 | 0.00% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $3 | — | $3 | 0.00% |
| IAN A BURT3 Filed as: IAN BURT | 769 CHICAGO ROAD 3RD FL TROY, MI 48083 | AFLAC | $2 | — | $2 | 0.00% |
| TRACEY KEISER3 | 9181 E KAISER BLVD ANAHEIM, CA 92808 | AFLAC | $2 | — | $2 | 0.00% |
| MAUREEN CONWELL3 | 301 ROYAL AVE ROYAL OAK, MI 48073 | AFLAC | $2 | — | $2 | 0.00% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 10TH ST SCOTTSDALE, AZ 85262 | AFLAC | $1 | — | $1 | 0.00% |
| ANNIE GLAUB3 | 8155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $1 | — | $1 | 0.00% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERA, MI 49421 | AFLAC | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: AUDREY BROWN | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $9K | $695 | $10K | 14.10% |
| STEPHEN GRACIN3 | 625 E BIG BEAVER RD., STE 103 TROY, MI 48083 | AFLAC | $2K | $139 | $2K | 3.00% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MCNULTY | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $1K | $139 | $1K | 2.09% |
| ROBERT GANSSER3 | 19375 CASCADE DRIVE BROWNSTOWN, MI 48193 | AFLAC | $368 | — | $368 | 0.54% |
| CYNTHIA LAFOUNTAIN3 | 12645 ANN LYNN DR SOUTH LYON, MI 48178 | AFLAC | $342 | — | $342 | 0.51% |
| SUSAN MAE DANIEL3 Filed as: SUSAN TAORMINA | 28 1ST STREET MOUNT CLEMENS, MI 48043 | AFLAC | $330 | — | $330 | 0.49% |
| BRADLEY RICHARDS3 | 5560 LEAH LN ALMONT, MI 48003 | AFLAC | $315 | — | $315 | 0.47% |
| JEFFREY DOWD3 | 412 SERENITY CT TROY, MI 48098 | AFLAC | $193 | — | $193 | 0.29% |
| CATHERINE DANIS3 | 48639 BRITTANY PARC DR MACOMB, MI 48044 | AFLAC | $192 | — | $192 | 0.28% |
| NICHOLAS GUERRO3 | 37816 N LAUREL PARK DR LIVONIA, MI 48152 | AFLAC | $169 | — | $169 | 0.25% |
| MICHIGAN ACCOUNT SERVICE TEAM INC3 Filed as: MICHIGAN ACCOUNT SERVICE TEAM | 2218 RIVER ROAD SUITE 200 MARYSVILLE, MI 48040 | AFLAC | $151 | — | $151 | 0.22% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $120 | — | $120 | 0.18% |
| ANTHONY BUDIMEROVICH3 | 625 E BIG BEAVER RD, STE 103 TROY, MI 48083 | AFLAC | $109 | — | $109 | 0.16% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $104 | — | $104 | 0.15% |
| THOMAS DANKO3 | 2030 34 MILE ROAD BRUCE TWP, MI 48085 | AFLAC | $97 | — | $97 | 0.14% |
| GERALD A GREENEN3 Filed as: GERALD GREENEN | 211 E ILLINOIS ST STE L3 WHEATON, IL 60187 | AFLAC | $92 | — | $92 | 0.14% |
| LYNDA B MACDONALD3 Filed as: LYNDA MACDONALD | 28655 OAKMONTE CIR W NEW HUDSON, MI 48165 | AFLAC | $91 | — | $91 | 0.13% |
| RENAE BLACKWELL3 | 1076 SOUTHERN HILS DRIVE ORANGE PARK, FL 32065 | AFLAC | $78 | — | $78 | 0.12% |
| ALAN BERGMANN3 | 2144 MADERO DRI TH VILLAGES, FL 32159 | AFLAC | $76 | — | $76 | 0.11% |
| DONALD NOYES3 | PO BOX 700435 PLYMOUTH, MI 48170 | AFLAC | $49 | — | $49 | 0.07% |
| BRADLEY BAUGHMAN3 | 580 FOREST AVENUE, STE 6B PLYMOUTH, MI 48170 | AFLAC | $44 | — | $44 | 0.07% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE WHEELER | 61687 MIRIAM DR WASHINGTON, MI 48094 | AFLAC | $34 | — | $34 | 0.05% |
| CHARLES V GLAUB3 Filed as: CHARLES GLAUB | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $24 | — | $24 | 0.04% |
| KRAIG SEXTON3 | 9864 E GRAND RIVER AVE., STE 110 NO. 292 BRIGHTON, MI 48116 | AFLAC | $21 | — | $21 | 0.03% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $20 | — | $20 | 0.03% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE, STE 150 OKEMOS, MI 48864 | AFLAC | $18 | — | $18 | 0.03% |
| HILARY R EBNER3 Filed as: HILARY EBNER | 31201 CHICAGO RD S STE A103 WARREN, MI 48093 | AFLAC | $14 | — | $14 | 0.02% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $13 | — | $13 | 0.02% |
| BRADLEY PIERSON3 | 5608 COLUMBIA AVE DALLAS, TX 75214 | AFLAC | $11 | — | $11 | 0.02% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $10 | — | $10 | 0.01% |
| TIMOTHY J REED3 Filed as: TIMOTHY SANDERS | 1567 ARCHWOOD DRIVE HOLT, MI 48842 | AFLAC | $10 | — | $10 | 0.01% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $10 | — | $10 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32765 | AFLAC | $9 | — | $9 | 0.01% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $9 | — | $9 | 0.01% |
| CHARLES BAKER3 | 5601 GLENN AVE FLINT, MI 48505 | AFLAC | $8 | — | $8 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $8 | — | $8 | 0.01% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $7 | — | $7 | 0.01% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $5 | — | $5 | 0.01% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERA, MI 49421 | AFLAC | $4 | — | $4 | 0.01% |
| ROBERT SHEPARD COOPER3 Filed as: ROBERT COOPER | PO BOX 609 SANGER, TX 76266 | AFLAC | $3 | — | $3 | 0.00% |
| TERRI PEASE3 Filed as: TERRI PAINE | 424 HUME BLVD LANSING, MI 48917 | AFLAC | $3 | — | $3 | 0.00% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $3 | — | $3 | 0.00% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DRIVE MILFORD, ME 48380 | AFLAC | $3 | — | $3 | 0.00% |
| CRAIG S DAVIES3 Filed as: CRAIG DAVIES | 109 TIMBER CREEK CT ARGYLE, TX 76226 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 W. NORTHWEST HWY. STE 114-1144 GRAPEVINE, TX 32751 | AFLAC | $1 | — | $1 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $213 | $213 | 1.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 17.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $161 | $161 | 1.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN PROPERY AND CASUALTY INSURANCE CO | $353 | $57 | $410 | 11.32% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS, INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE COMPANY | $11K | — | $11K | 373.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD., FLOOR 1400 CHICAGO, IL 60604 | NATIONWIDE LIFE INSURANCE COMPANY | $5K | — | $5K | 186.57% |
| FIRST HEALTH3 | 3200 HIGHLAND AVENUE DOWNERS GROVE, IL 60515 | NATIONWIDE LIFE INSURANCE COMPANY | $2K | — | $2K | 55.97% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $104 | — | $104 | 9.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $60 | — | $60 | 5.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARK C KENDALL BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Non-monetary compensation; Other fees Service code 22 | 55 E JACKSON BLVD CHICAGO, IL 606040604 | $38K |
| CLINTON W ANDERSON BROKER | Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other fees; Other commissions Service code 22 | 55 E JACKSON BLVD CHICAGO, IL 60604 | $4K |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MICHIGAN | 429 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,478 | $863K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,478 | $863K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,478 | $863K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,478 | $863K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,478 | $863K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MICHIGAN | 429 | $2.4M |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 103 | $3K |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,478 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,478 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.