| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON RISK II, LLC3 | 2590 NORTHBROOKE PLAZA DR STE 205 NAPLES, FL 341198101 | UNITED HEALTHCARE INSURANCE COMPANY | $850K | $0 | $850K | 4.84% |
| EMPOWER HR LLC3 | 126 N JEFFERSON ST STE 250 MILWAUKEE, WI 532026100 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.01% |
| THOMPSON RISK II, LLC3 Filed as: THOMPSON RISK II LLC | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | GUARDIAN | $77K | $8K | $84K | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | GUARDIAN | $0 | $0 | $0 | 0.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $0 | $0 | $0 | 0.00% |
| THOMPSON RISK II, LLC3 | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | GUARDIAN | $227K | $6K | $233K | 5.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | GUARDIAN | $0 | $0 | $0 | 0.00% |
| THOMPSON RISK II, LLC3 | 2590 NORTHBROOKE PLAZA DR STE 205 NAPLES, FL 34119 | VISION SERVICE PLAN | $97K | $0 | $97K | 14.02% |
| EMPOWER HR LLC3 | 125 N JEFFERSON ST STE 250 MILWAUKEE, WI 53202 | VISION SERVICE PLAN | $63K | $0 | $63K | 9.17% |
| DANIEL THOMPSON3 | THOMPSON RISK 2590 NORTHBROOKE PLAZA DR NAPLES, FL 34119 | BLUE CARE NETWORK OF MICHIGAN | $22K | $0 | $22K | 3.23% |
| MARK C KENDALL3 Filed as: MARK KENDALL | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $0 | $0 | $0 | 0.00% |
| DANIEL THOMPSON3 | THOMPSON RISK 2590 NORTHBROOKE PLAZA D NAPLES, FL 34119 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $157K | $0 | $157K | 3232.37% |
| MARK C KENDALL3 | 1591 GLABRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $0 | $0 | 0.00% |
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 | 8,955 | 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) | 8,955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,026 | $18.3M |
| Dental | GUARDIAN | 5,530 | $4.3M |
| Vision | VISION SERVICE PLAN | 5,192 | $692K |
| Life insurance | GUARDIAN | 8,955 | $5.1M |
| Short-term disability | GUARDIAN | 8,955 | $5.1M |
| Long-term disability | GUARDIAN | 8,955 | $5.1M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 898 | $693K |
| Other | GUARDIAN | 8,955 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,955 | — |
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.