| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHANNON COOPER3 | UNKNOWN GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | — | $31K | 1.21% |
| DOUGLAS WILLIAM JR NAGEL3 Filed as: DOUGLAS WILLIAM NAGEL JR. | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | $0 | $9K | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 939 BURLINGTON, NC 27216 | DELTA DENTAL OF MICHIGAN | $4K | $257 | $4K | 3.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 33.37% |
| ASHLEY M. MESSENGER3 | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 21.30% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.08% |
| BETHANY M MCDADE3 Filed as: BETHANY M. MCDADE | 546 NORTH DARTMOUTH STREET KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.01% |
| ROBERT L PARSONS3 Filed as: ROBERT L. PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $794 | $0 | $794 | 2.76% |
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 | 388 | 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) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 543 | $2.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 562 | $138K |
| Vision | VISION SERVICE PLAN | 249 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 380 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 380 | $102K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 543 | $2.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 380 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.