| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2167 GRAND RAPIDS, MI 49505 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.25% |
| 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 | $0 | $3K | 6.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2167 GRAND RAPIDS, MI 49505 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $447 | $0 | $447 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $224 | $224 | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | AFLAC | $102 | $0 | $102 | 2.59% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY MARIE MESSENGER | 41 26TH STREET NORTH BATTLE CREEK, MI 49015 | AFLAC | $69 | $8 | $77 | 1.95% |
| MARY A THOMAS3 | 18101 WEST AUSTIN ROAD MANCHESTER, MI 48158 | AFLAC | $8 | $8 | $16 | 0.41% |
| CONNIE RUPERT3 Filed as: CONNIE M RUPERT | 518 NORTH EVANS STREET TECUMSEH, MI 49286 | AFLAC | $6 | $0 | $6 | 0.15% |
| BETHANY MARIE MCDADE3 | 9674 R AVENUE MATTAWAN, MI 49071 | AFLAC | $2 | $0 | $2 | 0.05% |
| ROBERT L PARSONS3 | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $2 | $0 | $2 | 0.05% |
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 | 7 | $4K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $4K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $48K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.