| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPOWER HR LLC3 | 126 N JEFFERSON ST STE 250 MILWAUKEE, WI 532026100 | UNITED HEALTHCARE INSURANCE COMPANY | $861K | $0 | $861K | 3.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 60515 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | GUARDIAN | $579K | $201K | $780K | 16.21% |
| THOMPSON RISK II, LLC3 | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | GUARDIAN | $68K | $0 | $68K | 1.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $0 | — | $0 | 0.00% |
| MARK C KENDALL3 | 1591 GLABRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $88K | $0 | $88K | 2.40% |
| DANIEL THOMPSON3 | THOMPSON RISK 2590 NORTHBROOKE PLAZA D NAPLES, FL 34119 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | $0 | $20K | 0.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | GUARDIAN | $217K | $104K | $321K | 9.46% |
| THOMPSON RISK II, LLC3 | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | GUARDIAN | $59K | $0 | $59K | 1.74% |
| MARK C KENDALL3 Filed as: MARK KENDALL | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $13K | $0 | $13K | 1.97% |
| DANIEL THOMPSON3 | THOMPSON RISK 2590 NORTHBROOKE PLAZA DR NAPLES, FL 34119 | BLUE CARE NETWORK OF MICHIGAN | $5K | $0 | $5K | 0.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | VISION SERVICE PLAN | $6K | $0 | $6K | 0.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $1K | $0 | $1K | 0.22% |
| EMPOWER HR LLC3 | 7927 NEMCO WAY STE 200 BRIGHTON, MI 48116 | METROPOLITAN PROPERTY AND CASUALTY | $10K | — | $10K | 9.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | METROPOLITAN PROPERTY AND CASUALTY | $239 | $0 | $239 | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN PROPERTY AND CASUALTY | $215 | $0 | $215 | 0.20% |
| EMPOWER HR LLC3 | 7927 NEMCO WAY STE 200 BRIGHTON, MI 48116 | METROPOLITAN GENERAL CASUAL COMPANY | $4K | $0 | $4K | 30.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUR CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Consulting (general); Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $1.5M |
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 | 8,745 | 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) | 8,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,626 | $26.8M |
| Dental | GUARDIAN | 6,047 | $3.4M |
| Vision | VISION SERVICE PLAN | 5,633 | $645K |
| Life insurance | GUARDIAN | 8,745 | $4.8M |
| Short-term disability | GUARDIAN | 8,745 | $4.8M |
| Long-term disability | GUARDIAN | 8,745 | $4.8M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 785 | $4.3M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 8,745 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,745 | — |
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.