| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $305 | $2K | 20.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | AFLAC | $329 | $0 | $329 | 5.32% |
| MJ INSURANCE3 Filed as: JACQUELYN SULLIVAN & VARIOUS AGENTS | 34 NORTH HOWELL STREET HILLSDALE, MI 49242 | AFLAC | $211 | $21 | $232 | 3.75% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY MARIE MESSENGER | 41 26TH STREET NORTH BATTLE CREEK, MI 49015 | AFLAC | $218 | $4 | $222 | 3.59% |
| CHELSEA WOODS3 | 8300 RIVER ROAD EAST BATTLE CREEK, MI 49014 | AFLAC | $126 | $0 | $126 | 2.04% |
| MAXINE BALCOM3 | 1595 EDON ROAD HILLSDALE, MI 49242 | AFLAC | $65 | $0 | $65 | 1.05% |
| DAVID E. SHILLING3 | 816 EAST GRANT STREET HASTINGS, MI 49058 | AFLAC | $39 | $0 | $39 | 0.63% |
| LINDA HALL3 | 1713 134TH AVENUE WAYLAND, MI 49348 | AFLAC | $38 | $0 | $38 | 0.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $753 | $0 | $753 | 34.15% |
| BENEFITS PROFILES INC3 | 500 CASCADES WEST PARKWAY SE SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $148 | $0 | $148 | 6.71% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCADES WEST PARKWAY SE SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.73% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 9 | $6K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 73 | $2K |
| Short-term disability | AFLAC | 9 | $6K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $9K |
| Other(3 contracts, 3 carriers) | AFLAC | 120 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.