| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIENA M ATKINSON3 | 1591 GALBARAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $78K | $0 | $78K | 3.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | UNKNWON EAST LANSING, MI 48823 | ONEAMERICA GROUP | $19K | $0 | $19K | 6.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTAIONAL MIDWEST LIMITED | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 2.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTAIONAL MIDWEST LIMITED | 55 EAST JACKSON BOUELVARD CHICAGO, IL 60604 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 427 BENTON, KY 42025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 22.30% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 MILDRED AVENUE SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $381 | $0 | $381 | 0.70% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 392 | $2.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 388 | $186K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 392 | $2.6M |
| Life insurance | ONEAMERICA GROUP | 158 | $280K |
| Short-term disability | ONEAMERICA GROUP | 158 | $280K |
| Long-term disability | ONEAMERICA GROUP | 158 | $280K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 392 | $2.6M |
| Other(3 contracts, 3 carriers) | ONEAMERICA GROUP | 164 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.